annual report 2009-10 - IRDA
annual report 2009-10 - IRDA
annual report 2009-10 - IRDA
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ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>ANNUAL REPORT<strong>2009</strong>-<strong>10</strong>INSURANCE REGULATORY AND DEVELOPMENT AUTHORITYINDIAHead Office3 rd Floor, Parishram BhavanBasheerbagh, Hyderabad 500 004,INDIA.Phone : +91-40-2338 1<strong>10</strong>0 / 1300Fax : +91-40-6682 3334Website: www.irda.gov.inE-mail: irda@irda.gov.inDelhi Office1 st Floor, Jeevan Tara, Parliament StreetNew Delhi – 1<strong>10</strong> 001,INDIAPhone : +91-11-2374 7648Fax : +91-11-2374 7650i
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>CONTENTSMISSION STATEMENTTEAM AT <strong>IRDA</strong>OVERVIEW ... 1PART IPOLICIES AND PROGRAMMES1. General Economic Environment ... 92. World Insurance Scenario ... <strong>10</strong>3. Appraisal of Indian Insurance Market ... 144. Review4.1 Protection of Interests of Policyholders ... 304.2 Maintenance of Solvency Margins of Insurers ... 344.3 Monitoring of Reinsurance ... 354.4 Insurance Pools ... 374.5 Monitoring of Investments by the Insurers ... 404.6 Health Insurance ... 434.7 Business in the Rural and Social Sector ... 484.8 Financial Reporting and Actuarial Standards ... 494.9 Anti-Money Laundering/Counter-Financing of Terrorism ... 534.<strong>10</strong> Crop Insurance ... 534.11 Micro Insurance ... 544.12 Directions, Orders and Regulations issued by the Authority ... 574.13 Right to Information Act ... 57PART IIREVIEW OF WORKING AND OPERATIONS1. Regulation of Insurance and Reinsurance Companies ... 592 Intermediaries associated with the Insurance Business ... 593. Litigations, Appeals and Court Pronouncements ... 644. International Cooperation in Insurance ... 665. Public Grievances ... 676. Insurance Association and Insurance Councils ... 707. Functioning of Ombudsmen ... 74iii
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>PART IIISTATUTORY AND DEVELOPMENTAL FUNCTIONS OF THE AUTHORITY1. Issue to the applicant a certificate of registration, renew, ... 75modify, withdraw, suspend or cancel such registration2. Protection of the interests of policyholders in matters concerning assigning ... 76of policy, nomination by policyholders, insurable interest, settlement ofinsurance claim, surrender value of policy and other termsand conditions of contracts of insurance3. Specifying requisite qualifications, code of conduct and practical ... 76training for intermediaries or insurance intermediaries and agents4. Specifying the code of conduct for surveyors and loss assessors ... 765. Promoting efficiency in the conduct of insurance business ... 776. Promoting and regulating professional organisations ... 77connected with insurance and reinsurance business7. Levying fees and other charges for carrying out the purposes of the Act ... 788. Calling for information from, undertaking inspection of, ... 78conducting enquiries and investigations including audit of the insurers,intermediaries, insurance intermediaries and other organisationsconnected with the insurance business9. Control and regulation of rates, advantages, terms and conditions that ... 78may be offered by the insurers in respect of general insurancebusiness not so controlled and regulated by the Tariff Advisory Committeeunder Section 64U of the Insurance Act,1938 (4 of 1938)<strong>10</strong>. Specifying the form and manner in which books of accounts shall be ... 78maintained and statements of accounts shall be rendered by insurersand other insurance intermediaries11. Regulating investment of funds by insurance companies ... 7912. Regulating maintenance of margin of solvency ... 8013. Adjudication of disputes between Insurers and Intermediaries or Insurance Intermediaries ... 8014. Supervising the functioning of the Tariff Advisory Committee (TAC) ... 8115. Specifying the percentage of the premium income of the insurer to ... 81finance schemes for promoting and regulating professionalorganisations referred to in clause (6)16. Specifying the percentage of life insurance business and general ... 81insurance business to be undertaken by the insurers in the rural and social sector17. Exercising such other powers as may be prescribed ... 82iv
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>PART IVORGANISATIONAL MATTERS1. Organisation ... 832. Meetings of the Authority ... 833. Human Resources ... 834. Promotion of Official Language ... 835. Research & Development ... 836. Status of Information Technology in <strong>IRDA</strong> ... 847. Accounts ... 868. <strong>IRDA</strong> Journal ... 869. Acknowledgements ... 86BOX ITEMS1 Profitability of Life and Non-Life Insurers ... 212. ULIP – New Guidelines ... 313. Initiatives in the area of Policyholders Grievance Redressal ... 334. Innovations in Health Insurance ... 445. Public Disclosures – The Regulatory Perspective ... 50TEXT TABLES1. Real Growth in Premium during <strong>2009</strong> ... <strong>10</strong>2. Insurance Penetration and Density in India ... 133. Registered Insurers in India ... 144. Premium Underwritten by Life Insurers ... 155. Market Share of Life Insurers ... 166. New Policies Issued : Life Insurers ... 167. Paid-up Capital : Life Insurers ... 178. Commission Expenses : Life Insurers ... 179. Commission Expenses Ratio : Life Insurers ... 17<strong>10</strong>. Operating Expenses : Life Insurers ... 1811. Operating Expenses Ratio : Life Insurers ... 1812. Individual Death Claims : Life Insurers ... 1813. Group Death Claims : Life Insurers ... 1914. Dividends Paid : Life Insurers ... 2015. Number of Life Insurance Offices ... 2016. Distribution of Offices of Life Insurers ... 2117. Gross Direct Premium Income in India : Non-Life Insurers ... 2318. Gross Direct Premium Income in India (Company-wise) ... 2419. Premium (Within India) Underwritten by Non-Life Insurers - Segment Wise ... 2420. Ratio of Outside India Premium to Total Premium ... 2521. Gross Direct Premium from business outside India : Non Life Insurers ... 2522. New Policies Issued : Non-Life Insurers ... 2523. Paid up Capital : Non-Life Insurers and Reinsurer ... 2624. Underwriting Losses : Non-Life Insurers ... 2625. Commission Expenses : Non-Life Insurers ... 2626. Operating Expenses : Non-Life Insurers ... 27v
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>27. Net Incurred Claims : Non-Life Insurers ... 2728. Incurred Claims Ratio (Segment wise) ... 2829. Investment Income : Non-Life Insurers ... 2830. Net Profits/Losses : Non-Life Insurers ... 2831. Dividends Paid : Non-Life Insurers ... 2932. Net Retained Premium on Indian Business as per cent of ... 35Gross Direct Premium (excluding GIC)33. Reinsurance placed within India and outside India as per cent of ... 35Gross Direct Premium in India34. Reinsurance ceded outside India on Indian business ... 3635. Share of member companies in the Indian Terrorism Pool ... 3736. Premium Rates for Terrorism Risk Insurance (w.e.f 1 st April, 20<strong>10</strong>) ... 3837. Mid-Term Cover for Terrorism Risk Insurance (w.e.f 1 st April, <strong>2009</strong>) ... 3838. Development Pattern of Goods Carrying Vehicles ... 4039. Development Pattern of Passengers Carrying Vehicles ... 4040. Investments of the Insurance Sector ... 4041. Investments of Life Insurers : Instrument-Wise ... 4142. Investments of Life Insurers : Fund-Wise ... 4243. Growth of Investments: Fund-Wise ... 4244. Investments of Non-Life Insurers : Instrument-Wise ... 4245. Health Insurance Premium - 2005-20<strong>10</strong> ... 4346. Third Party Administrators Licences Renewed during <strong>2009</strong>-<strong>10</strong> ... 4647. Third Party Administrators Infrastructure (<strong>2009</strong>-<strong>10</strong>) ... 4748. Third Party Administrators - Claims Data ... 4849. New Business under Micro Insurance Portfolio for <strong>2009</strong>-<strong>10</strong> ... 5550. Micro Insurance Agents of Life Insurers ... 5551. Group Death Claims under Micro Insurance Portfolio - <strong>2009</strong>-<strong>10</strong> ... 5652. Individual Death Claims under Micro Insurance Portfolio - <strong>2009</strong>-<strong>10</strong> ... 5653. Duration-Wise Settlement of Death Claims Settled in ... 56Micro Insurance Individual Category - <strong>2009</strong>-<strong>10</strong>54. Duration-Wise Settlement of Death Claims Settled in ... 57Micro Insurance Group Category - <strong>2009</strong>-<strong>10</strong>55. Details of Individual Agents : Life Insurers ... 5956. Details of Corporate Agents : Life Insurers ... 6057. Individual New Business Performance of Life Insurers for <strong>2009</strong>-<strong>10</strong> - Channel Wise ... 6158. Group New Business Performance of Life Insurers for <strong>2009</strong>-<strong>10</strong> - Channel Wise ... 6259. New Business Premium (Individual and Group) of Life Insurers for <strong>2009</strong>-<strong>10</strong> - Channel Wise ... 6360. Number of Licences issued to Surveyors and Loss Assessors ... 6461. Grievances related to Surveyors and Loss Assessors ... 6462. Details of Cases Filed ... 6463. Petition / Cases Disposed / Dismissed ... 6564. Committees / Sub-Committees of IAIS ... 6765. Status of Grievances: Life Insurers ... 6766. Break-up of Complaints Lodged with Grievances Cell (Life Insurance) during <strong>2009</strong>-<strong>10</strong> ... 6867. Status of Grievances - Life Insurers (April-June 20<strong>10</strong>) ... 6968. Status of Grievances - Non Life Insurers during <strong>2009</strong>-<strong>10</strong> ... 6969. Status of Grievances - Non-Life Insurers (April-June 20<strong>10</strong>) ... 7070. Disposal of Complaints by Ombudsmen ... 7471. Penalty Levied on Insurers ... 75vi
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>LIST OF STATEMENTS1. International Comparison of Insurance Penetration ... 892. International Comparison of Insurance Density ... 903. First Year Life Insurance Premium ... 914. Total Life Insurance Premium ... 925. Individual New Business Performance of Life Insurers - Channel Wise ... 936. Group New Business Performance of Life Insurers - Channel Wise ... 957. State Wise Individual New Business Underwritten ... 978. Individual Business (Within India) - Business in Force - Number of Policies ... <strong>10</strong>09. Individual Business (Within India) - Business in Force - Sum Assured ... <strong>10</strong>1<strong>10</strong>. Linked and Non-Linked Premium of Life Insurers ... <strong>10</strong>211. Linked and Non-Linked Commission of Life Insurers ... <strong>10</strong>412. Individual Death Claims ... <strong>10</strong>513. Group Death Claims ... <strong>10</strong>714. Duration Wise Settlement of Death Claims - Individual Category ... <strong>10</strong>915. Duration Wise Settlement of Death Claims - Group Category ... 1<strong>10</strong>16. Assets Under Management of Life Insurers ... 11117. Equity Share Capital of Life Insurers ... 11418. Solvency Ratio of Life Insurers ... 11519. Life Insurers - Policyholders Account ... 11620. Life Insurers - Shareholders Account ... 11921. Life Insurers - Balance Sheet ... 12222. Life Insurance Corporation of India - Policyholders Account (Non-Participating) ... 12523. Life Insurance Corporation of India - Shareholders Account (Non-Participating) ... 12624. Life Insurance Corporation of India - Balance Sheet (Non-Participating) ... 12725. Individual Business - Details of Forfeiture/Lapsed Policies in respect of Non-Linked Business .. 12826. Details of Individual Agents of Life Insurers ... 12927. Details of Corporate Agents of Life Insurers ... 13028. State Wise Distribution of Offices of Life Insurers ... 13129. Region Wise Distribution of Offices of Life Insurers ... 13230. State Wise Distribution of Individual Agents ... 13331. New Business Under Micro Insurance Portfolio ... 13432. Death Claims Under Micro Insurance Portfolio - Individual Category ... 13533. Death Claims Under Micro Insurance Portfolio - Group Category ... 13734. Duration Wise Settlement of Micro Insurance Claims - Individual Category ... 13935. Duration Wise Settlement of Micro Insurance Claims - Group Category ... 14036. Company Wise number of Micro Insurance Agents ... 14137. List of Micro Insurance Products of Life Insurers ... 14238. Gross Direct Premium : Non-Life Insurance (Within & Outside India) ... 14339. Segment Wise Gross Direct Premium Income of Non-Life Insurers (within India) ... 14440. Segment Wise Net Premium Income (Earned) ... 14541. Channel Wise Gross Direct Premium Income of Non Life Insurers ... 14642. State Wise Gross Direct Premium Income ... 14743. Net Retentions of Non Life Insurers ... 14844. Incurred Claims Ratio - Public Sector Non-Life Insurers ... 14945. Incurred Claims Ratio - Private Sector Non-Life Insurers ... 150vii
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>46. Underwriting Experience and Profits of Public Sector Companies ... 15147. Underwriting Experience and Profits of Private Sector Companies ... 15248. Assets Under Management of Non-Life Insurers ... 15449. Equity Share Capital of Non-Life Insurers ... 15550. Solvency Ratio of Non-Life Insurers ... 15651. Public Sector Non-Life Insurers - Policyholders Account ... 15752. Public Sector Non-Life Insurers - Shareholders Account ... 15953. Public Sector Non-Life Insurers - Balance Sheet ... 16054. Private Sector Non-Life Insurers - Policyholders Account ... 16155. Private Sector Non-Life Insurers - Shareholders Account ... 16656. Private Sector Non-Life Insurers - Balance Sheet ... 16857. Health Insurers - Policyholders Account ... 17058. Health Insurers - Shareholders Account ... 17159. Health Insurers - Balance Sheet ... 17260. Export Credit Guarantee Corporation Ltd. (ECGC) - Policyholders Account ... 17361. Export Credit Guarantee Corporation Ltd.(ECGC) - Shareholders Account ... 17462. Export Credit Guarantee Corporation Ltd. (ECGC) – Balance Sheet ... 17563. Agriculture Insurance Company of India Ltd. (AIC) - Policyholders Account ... 17664. Agriculture Insurance Company of India Ltd. (AIC) - Shareholders Account ... 17765. Agriculture Insurance Company of India Ltd. (AIC) – Balance Sheet ... 17866. General Insurance Corporation (GIC) - Policyholders Account ... 17967. General Insurance Corporation (GIC) - Shareholders Account ... 18068. General Insurance Corporation (GIC) – Balance Sheet ... 18169. State Wise Number of Offices of Non-Life Insurers ... 18270. Third Party Administrators – No. of claims received & duration wise settlement of claims ... 18471. Status of Grievances - Life Insurers for <strong>2009</strong>-<strong>10</strong> ... 18672. Status of Grievances - Life Insurers (April-June 20<strong>10</strong>) ... 18773. Status of Grievances - Non-Life Insurers for <strong>2009</strong>-<strong>10</strong> ... 18874. Status of Grievances - Non-Life Insurers (April-June 20<strong>10</strong>) ... 18975. Performance of Ombudsmen at different centres - Life Insurance ... 19076. Performance of Ombudsmen at different centres - Non - Life Insurance ... 19177. Performance of Ombudsmen at different centres - Life and Non-Life Insurance Combined ... 192LIST OF ANNEX1. Insurance Companies Operating in India ... 1952. Fee Structure for insurers and various intermediaries ... 1973 (i). Indian Assured Lives Mortality (1994-96) (Modified) Ultimate ... 198(ii). Mortality Rates of Annuitants in LIC of India ... 1994. Life Insurance Products cleared during the financial year <strong>2009</strong>-<strong>10</strong> ... 2005. Non-Life Insurance Products cleared during the financial year <strong>2009</strong>-<strong>10</strong> ... 2086. Obligatory Cessions received by GIC ... 2117. State Wise number of Registered Brokers ... 2128. Circulars / Orders / Notifications issued by the Authority from April <strong>2009</strong> ... 2139. Regulations framed under the <strong>IRDA</strong> Act, 1999 ... 217<strong>10</strong>. Annual Statements of Accounts for the year ended March 31, 20<strong>10</strong> ... 219viii
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>MISSION STATEMENTTo protect the interest of and secure fair treatment to policyholders;To bring about speedy and orderly growth of the insurance industry (including annuity andsuperannuation payments), for the benefit of the common man, and to provide long term funds foraccelerating growth of the economy;To set, promote, monitor and enforce high standards of integrity, financial soundness, fair dealing andcompetence of those it regulates;To ensure speedy settlement of genuine claims, to prevent insurance frauds and other malpracticesand put in place effective grievance redressal machinery;To promote fairness, transparency and orderly conduct in financial markets dealing with insuranceand build a reliable management information system to enforce high standards of financial soundnessamongst market players;To take action where such standards are inadequate or ineffectively enforced;To bring about optimum amount of self-regulation in day-to-day working of the industry consistentwith the requirements of prudential regulation.ix
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>TEAM AT <strong>IRDA</strong>J. Hari NarayanCHAIRMANMEMBERSC.R. Muralidharan(upto 3 rd November, <strong>2009</strong>)K. K. SrinivasanG. Prabhakara Dr. R. Kannan R. K .Nair(from 18 th March, 20<strong>10</strong>)x
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>PART TIME MEMBERSAmarjit Chopra(from 6 th February, 20<strong>10</strong>)Vijay MahajanEla R. BhattL. M. Vas(from 5 th October, <strong>2009</strong>)Rahul Khullar(upto 4 th October, <strong>2009</strong>)Uttam Prakash Agarwal(upto 5 th February, 20<strong>10</strong>)xi
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>Prabodh ChanderED (NON-LIFE)A.GiridharED (ADMN.)K.SubrahmanyamED (ACTUARY)Dr. D.V.S. SastryDG (R&D)Kunnel PremCSO (LIFE)N Srinivasa RaoFA & CAOxii
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>JOINT DIRECTORSSuresh Mathur Dr. Mamta Suri Randip Singh JagpalMukesh SharmaJ Meena KumariS N Jayasimhan Yegna Priya Bharath A R Nithiayananthamxiii
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>NAMEMahesh AgarwalP MajumderShyam Sundar MohakudSaneetha K AS P ChakrabortyJ AnitaP K MaitiA V RaoS Kartikeya SarmaMBVN MurthyDNKLNK ChakravarthiLekshmi R PillaiB Someswara RaoA Rama SudheerAmit SrivastavaSarat ChandraSujoy SahaMukesh SharmaB RaghavanD Srinivasa MurthyR SangeethaSiva Prasad YedduV V N Kirankumar SarmaIndradeep SahAnurag BajpaiBH Suryanarayana SastryYegna Priya BharathA KrishnanT Venkateswara RaoK SrinivasManoj Kumar AsiwalNeeraj Mani TripathiVinay Kumar MathangiDomala RajanikanthS N JayasimhanDr. Mamta SuriRaj Kumar SharmaR KumarB PadmajaR Uma MaheswariK Anand RaoDr. Ravinder KaurMohammad AyazA Keshava RaoRakesh SarodeyRavindra DasBolla BalakrishnaDasika S Murali MohanDESIGNATIONACCOUNTS DEPARTMENTSr. Assistant DirectorJunior OfficerJunior OfficerAssistantACTUARIAL DEPARTMENTDeputy DirectorDeputy DirectorDeputy DirectorDeputy DirectorAssistant DirectorAssistant DirectorAssistant DirectorJunior OfficerJunior Officer (PA to ED-Actuary)Junior Officer (PA to Member-Actuary)AssistantAssistantAssistantADMINISTRATION DEPARTMENTJoint DirectorSr. Assistant DirectorAssistant Director (PS to Chairman)Junior Officer (PA to ED-Admn.)AssistantAssistantAssistantAssistantAssistant (Library)CONSUMER AFFAIRS DEPARTMENTJoint DirectorDeputy DirectorDeputy DirectorAssistant DirectorAssistant DirectorAssistantAssistantAssistantFINANCE & INVESTMENT DEPARTMENTJoint DirectorJoint DirectorDeputy DirectorDeputy DirectorSr. Assistant DirectorAssistant DirectorAssistant DirectorAssistant DirectorAssistant DirectorJunior Officer (PA to Member F&I)AssistantAssistantAssistantAssistantxiv
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>J Meena KumariKGPL Rama DeviNilamdhab BeheraShardul Suresh AdmaneNimisha SrivastavaA R NithiayananthamDeepak KhannaDeepak Kumar GaikwadSanjay Kumar VermaNarendra SinghM S Jaya KumarSusan IttyerahM MadhusudhanKLN Raghava KumarSuresh MathurT S NaikG R Surya KumarSuresh NairR Pardha SaradhiAnil Kumar ThatipalliAshish Kumar BhartiBhasker P KhadakbhaviSuresh MathurSanjeev Kumar JainK Mahipal ReddySudha RamanujamJyoti BhagatSunitha LVSMathangi SarithaD Gyana PrasunaNeetu ShahadadpuriRajeswar GangulaTati KiranGandi Venkata RamanaMukesh KumarP KanthishreeD V S RameshSudipta BhattacharyaR Lalitha KumariK Sridhar RaoH Babu YogishV ChitraB ArunaHEALTH DEPARTMENTJoint DirectorDeputy DirectorDeputy DirectorSr. Assistant DirectorAssistant DirectorINFORMATION TECHNOLOGY DEPARTMENTJoint DirectorSr. Assistant DirectorSr. Assistant DirectorSr. Assistant DirectorAssistantINSURANCE INFORMATION BUREAUDeputy DirectorSr. Assistant DirectorAssistant DirectorAssistantINSPECTIONS DEPARTMENTJoint DirectorDeputy DirectorDeputy DirectorSr. Assistant DirectorAssistant DirectorAssistant DirectorAssistant DirectorAssistant DirectorINTERMEDIARIES DEPARTMENTJoint DirectorDeputy DirectorDeputy DirectorDeputy DirectorAssistant DirectorAssistant DirectorAssistant DirectorAssistant DirectorAssistant DirectorAssistant DirectorAssistantAssistantLEGAL AND R.T.I. CELLAssistant DirectorJunior OfficerLIFE DEPARTMENTDeputy DirectorDeputy DirectorAssistant DirectorAssistant DirectorAssistant DirectorAssistant DirectorJunior Officer (PA to CSO)xv
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>Randip Singh JagpalShiksha ShahaK SridharSanjay Mohan SharmaVikas JainCh B Chandrasekhara RaoB S VenkateshM L SoujanyaAkash DangwarNON LIFE DEPARTMENTJoint DirectorAssistant DirectorAssistant DirectorAssistant DirectorAssistant DirectorAssistant DirectorJunior Officer (PA to ED (Non-Life))Junior Officer (PA to Member (Non-Life))AssistantKamal ChowlaMunshi M NizamuddinTriloki NathAmeer HassanIshtiaque AlamMukesh SharmaRakesh K BajajAnil Kumar AroraManju AroraHariSush PalShashi PalH AnanthakrishnanG Babita RayuduDr. R K SinhaV Sai KumarS V HegdeR SrinivasanVikas KumarDevendra KumarVikas S RaneRajeshaY SrinivasuV SarvothamuduV Satya SrinivasBV SastryK RambabuB V SuryanarayanaV S Narendra ChandraChandrasekhar BU Jawahar LalRAJBHASHA DEPARTMENTAssistant DirectorRESEARCH AND DEVELOPMENT DEPARTMENTAssistant DirectorAssistantAssistantAssistantVIGILANCE DEPARTMENTVigilance OfficerDELHI OFFICEDeputy DirectorDeputy DirectorAssistant DirectorJunior OfficerRecord ClerkRecord ClerkOFFICERS ON DEPUTATIONOSD- Non LifeOSD- LegalOSD- R&DOSD- LifeOSD- LifeOSD- Consumer AffairsOSD- IIBOSD- IIBOSD- IIBOSD-InspectionsOSD-InspectionsOSD-InspectionsOSD-InspectionsOSD-InspectionsOSD- Non LifeOSD-RTIJunior Officer (PS to Chairman)PS to Member (Life)ON CONTRACTEditor, <strong>IRDA</strong> JournalArup ChatterjeeNandan KumarOFFICERS OF <strong>IRDA</strong> ON DEPUTATION TO OTHER ORGANISATIONSJoint DirectorAssistant Directorxvi
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>OVERVIEWThe Indian Economy:1. The Indian economy registered an impressivegrowth rate of 7.4 per cent in <strong>2009</strong>-<strong>10</strong> following 6.7per cent in 2008-09. This was achieved against thebackdrop of a broad based recovery in the secondhalf of the financial year. The overall stability of thefinancial system of India continued to positively impactbusiness confidence. The major source of worry,however, was the inflationary conditions whichchanged significantly in <strong>2009</strong>-<strong>10</strong>, particularly, in thesecond half of the year. It surged to 11 per centtowards the end of <strong>2009</strong>-<strong>10</strong>, aggravated by the initialspurt in prices of food items. Positive developmentwas, however, observed in demand for privateinvestment during the last quarter of <strong>2009</strong>-<strong>10</strong> and hasbeen particularly robust in the first quarter of 20<strong>10</strong>-11. Although there has been some concern aroundthe crisis emanating from the sovereign debt in theEuro area and its likely impact about the durability ofthe global recovery, the overall movement in growthhas been positive.2. The real GDP growth turned around at 7.4 per centin <strong>2009</strong>-<strong>10</strong>, up from 6.7 per cent in 2008-09. Althoughstill below the pre-global crisis growth phase of 8.9per cent during 2003-08, the possibilities of it growingfurther are clearly reflected. The contribution to thegrowth came from a strong recovery in industrial sectorand the services sector thereby reducing the impactof a scarce South-West monsoon. The contributionof the industrial sector to the overall growth increasedsharply at 28 per cent in <strong>2009</strong>-<strong>10</strong> (9.5 per cent in2008-09), while the growth in the services sector waslower at 8.3 per cent in <strong>2009</strong>-<strong>10</strong> (9.3 per cent in2008-09). Despite the impact of the deficient monsoon,agriculture and allied activities contributed about 14.6per cent to the GDP. The performance of the sectorhas a significant impact on price stability.3. The macro-financial developments during<strong>2009</strong>-<strong>10</strong> have established the resilience of theeconomy and its ability to recover faster from aslowdown. The economy has also emerged strongerin terms of the ability of the slowdown in agriculturalproduction impacting the growth of industry andservices sectors, even though the importance of theformer cannot be overstated since it impactsinflationary trends and is the main stay for livelihoodof the rural population.4. The financial markets during <strong>2009</strong>-<strong>10</strong> showed signsof volatility while reflecting the developments in theglobal markets. However, the signs were clearly thatof rising activity. This is critical to ensure that theeconomy is catapulted to the next phase of growth.The external balance situation improved and reflecteda positive growth in both exports and capital inflowsduring <strong>2009</strong>-<strong>10</strong>. This reflected a favorable trend fromthe downturn observed in the wake of the financialcrisis. Overall, developments during <strong>2009</strong>-<strong>10</strong> havebeen positive although there had been some macroeconomicconcerns at the beginning of the year.Global Economic Environment:5. As per the Report published by the InternationalMonetary Fund, the global financial system is still in aperiod of significant uncertainty. The setback hasoccurred in the second quarter of the current calendar20<strong>10</strong> due to the turmoil in sovereign debt markets inEurope once again bringing to the fore thevulnerabilities of bank and sovereign balance sheetsagainst the back drop of the financial crisis. TheEuropean economies have once again been in theeye of the storm, having been a witness to thesovereign debt sustainability challenges, resulting infunding pressures. With the spillover effect onto thebanking sector, the resultant impact was in terms ofshrinking credit. Although, the regulatory and policylevel responses at the international levels brought thesituation under control in terms of stabilising fundingmarkets and mitigating risks, the conditions remainweak. Economies still need to find answers to thechallenges posed by a slower than expected level ofrecovery, higher debt levels and rollovers, and a stillimpairedfinancial sector.6. The global output has expanded in tune with theprojection with the economic environment improvinggradually. This has been supported by growth in theemerging market countries which has been particularlystrong. It has also been observed that economies aremoving from temporary support provided to them tomore self-sustaining private demand. However,concerns remain in terms of dealing with legacyproblems in the banking sector, particularly thoserelating to recapitalisation; strengthening thesovereign balance sheets; and strengtheningregulatory reform to move towards building resilience1
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>in financial systems. Equally there is a need forsystems to ensure and guard against excessive risktaking.7. Overall, in the United States, financial stability hasimproved, although pockets of vulnerability remain inthe banking system. While banks have been able toraise capital and expected demand appearsmanageable, additional capital may be needed toreverse recent de-leveraging trends and due to thepossibility of complying with the regulatory reformsunder way. The financial crisis has resulted insubstantial risks being transferred from private topublic balance sheets. The policy makers thus needto address issues which have arisen on account ofthe burden placed on public institutions. In Japan, anear-term disruption in the government bond marketremains unlikely. The stable domestic savings baseand healthy current account surplus reduce the needto attract external funding sources. However, overtime, the factors which are presently supporting theJapanese bond market - high private savings, homebias, and the lack of alternatives to yen-denominatedassets - are expected to erode as the population agesand the workforce declines.8. As against the mature markets, the emergingmarkets have remained resilient to the financial crisiswhich has hit the global markets. These markets alsocontinued to enjoy access to international capitalmarkets. The cross-border spillover effects werelimited to only regions with significant economic andfinancial links to the euro area. Given the projectedhealthy growth trends in these markets, and thecontinuing slowdown in advanced countries, theemerging markets have become increasinglyattractive to global investors. The shifts due to thestrong capital inflows could result in increased volatilityto these markets thereby raising concerns foreconomies which have been recipients of thesereallocations.9. As per the revised IMF estimates the crisis-relatedbank write downs between 2007 and 20<strong>10</strong> stood atUSD 2.2 trillion in September, 20<strong>10</strong>. Further, bankshave made progress in recognising those write downs,with more than three-quarters of them already<strong>report</strong>ed, leaving a residual amount of approximatelyUSD 550 billion. As per projections, nearlyUSD 4 trillion of bank debt will need to be rolled overin the next 24 months.<strong>10</strong>. A review of the regulatory reforms brings to thefore the fact that much of the proposed financial reformagenda remains unfinished. While much of the failingsof the global financial system have been identified,countries have yet to deal with issues such as ‘tooimportant-to-failentities’, strengthening supervisoryincentives and resources, and developing the macroprudentialframework. Much of these regulatoryconcerns have centered on the banking sector,although the ripples of the spillover effects are likelyto be felt by the other segments of the financial sectoras well. There are also concerns around addressingissues around pro-cyclicality and limiting the systemiceffects of financial institutions other than those in thebanking sector.Insurance markets:11. As per the World Insurance Report published byreinsurance major Swiss Re, the global insurancepremium for the calendar year <strong>2009</strong> wasUSD 4066 billion, which is 1.1 per cent (inflationadjusted)lower than USD 4220 billion <strong>report</strong>ed duringthe previous calendar year 2008. The share of lifeinsurance business was 57 per cent in total premiumcollection. While life insurance business collectedUSD 2331 billion as premium, the same for non-lifebusiness was USD 1735 billion. During <strong>2009</strong>, thepremium in life insurance business fell by 2 per centon account of double digit decline in premiumcollection in USA and UK. However, compared to2008, when life insurance premium fell by 5.8 per cent,this is an improvement on account of the improvedsentiment in the calendar year <strong>2009</strong>.12. During year 20<strong>10</strong>, it is expected that overallpremium growth in the industry will turn positive andprofitability and balance sheets will continue toimprove. The prospects for life insurance in 20<strong>10</strong> arepromising as growth resumes in the sector. A furtherrecovery of the financial markets is likely to stimulatethe overall growth of unit-linked products and allowinsurers to continue strengthening their balancesheets.Indian insurance sector:13. Since opening up, the number of participants inthe industry has gone up from six insurers (including2
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>Life Insurance Corporation of India, four public sectorgeneral insurers and General Insurance Corporationas the national reinsurer) in the year 2000 to 48insurers operating in the life, non-life and reinsurancesegments (including specialised insurers, viz., ExportCredit Guarantee Corporation and AgricultureInsurance Company). Three of the non-life insurancecompanies, viz., Star Health and Alliance InsuranceCompany, Apollo Munich Health Insurance Companyand Max Bupa Health Insurance Company functionas standalone health insurance companies. Of thetwenty two insurance companies which have set upoperations in the life segment post opening up of thesector, twenty are in joint venture with foreign partners.Of the seventeen insurers (including health insurers)who have commenced operations in the non-lifesegment, sixteen are in collaboration with the foreignpartners. The three standalone health insurancecompanies have been set up in collaboration withforeign joint venture partners. Thus, as on date, thirtysix insurance companies in the private sector areoperating in the country in collaboration withestablished foreign insurance companies across theglobe.14. The first year premium, which is a measure ofnew business secured, underwritten by the life insurersduring <strong>2009</strong>-<strong>10</strong> was `1,09,894 crore as compared to`87,331 crore in 2008-09 registering a growth of25.84 per cent against negative growth rate of6.81 per cent during 2008-09. In terms of linked andnon-linked business during the year <strong>2009</strong>-<strong>10</strong>,54.53 per cent of the first year premium wasunderwritten in the linked segment while 45.47 percent of the business was in non-linked segment (51.13and 48.87 per cent respectively in 2008-09). The totalpremium underwritten by the life insurance sector in<strong>2009</strong>-<strong>10</strong> was `2,65,450 crore as against`2,21,785 crore in 2008-09 exhibiting a growth of19.69 per cent (<strong>10</strong>.15 per cent in 2008-09).15. The non-life insurers (excluding specialisedinstitutions like ECGC and AIC and the standalonehealth insurance companies) underwrote premium of`35,816 crore in <strong>2009</strong>-<strong>10</strong>, as against `31,428 crorein 2008-09 registering a growth of 13.44 per cent. Thethree health insurance companies underwrotepremium of `1,072 crore in <strong>2009</strong>-<strong>10</strong>, twice of theircollective premium of `535 crore in 2008-09.Penetration and Density:16. The potential and performance of the insurancesector is universally assessed with reference to twoparameters, viz., Insurance Penetration and InsuranceDensity. Insurance penetration is defined as the ratioof premium underwritten in a given year to the grossdomestic product (GDP). Insurance density is definedas the ratio of premium underwritten in a given yearto the total population (measured in USD forconvenience of comparison). The insurancepenetration was 2.32 per cent (Life 1.77 per cent andNon life 0.55 per cent) in the year 2000 when the sectorwas opened up for private sector. It had increased to5.20 per cent in <strong>2009</strong> (Life: 4.60 per cent and Nonlife:0.6 per cent). The insurance density stood atUSD 54.3 in <strong>2009</strong> (Life USD 47.7 and Non-lifeUSD 6.7) from USD 9.9 in 2000 (Life USD 7.6 andNon-life USD 2.3)Micro insurance:17. One of the main objectives of promoting financialinclusion packages is to economically empower thosesections of society who are otherwise denied accessto financial services, by providing banking and creditservices thereby focusing on bridging the rural creditgap. The banking sector is focusing on financialinclusion on a priority basis. Vulnerability to variousrisk factors is one of the fundamental attributes ofthese sections of the society. Lack of protectiveelements may, thus, not serve the objective ofpromoting financial inclusion packages as the targetedsections may fall back into the clutches of poverty inthe event of unforeseen contingencies. Hence, toprovide a hedge against these unforeseen risks, microinsurance is widely accepted as one of the essentialingredients of financial inclusion packages. Microinsurance regulations issued by <strong>IRDA</strong> have provideda fillip in propagating micro insurance as a conceptualissue.18. With the positive and facilitative approach adoptedunder the micro insurance regulations, it is expectedthat all insurance companies would come out with aprogressive business approach and carry forward thespirit of regulations thereby extending insurancepenetration to all segments of society. There are 8,676micro insurance agents operating in the microinsurance sector as at the end of <strong>2009</strong>-<strong>10</strong>. The newbusiness premium secured in individual category3
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>during the year was `160 crore under 0.30 crorepolicies and the new business premium secured for33 group schemes during <strong>2009</strong>-<strong>10</strong> was `238 crorecovering 1.69 crore lives. In the individual category7,516 claims were settled for an amount of `7.88 croreand in the group category claims on 43,645 lives weresettled for an amount of `169 crore.Investments by the insurance sector:19. During <strong>2009</strong>-<strong>10</strong>, the <strong>IRDA</strong> aligned the definitionof ‘infrastructure facility’ with that of the Reserve Bankof India (RBI) thereby creating more room for theinsurers to invest in infrastructure sector. The Authorityhas also relaxed the ceiling of investments ininfrastructure to 20 per cent in a “single” investeecompany as against <strong>10</strong> per cent earlier. The limit isapplicable to the combination of both debt and equitytaken together without sub ceilings in instrumentssatisfying certain criteria. An additional exposure of5 per cent has been permitted in ‘debt’ alone with priorapproval of the respective insurer’s InvestmentCommittee.20. Further strengthening on the risk managementstructure, <strong>IRDA</strong> has issued guidelines on the scopefor “Internal and Concurrent Audit” for investmentoperations of insurance companies to monitorinvestment of both traditional and unit linked portfolio,at a closer level with the aim of mitigating risk. Similar,stipulations are also applicable to non-life insurancecompanies. The guidelines for audit of Investment RiskManagement Systems and Processes were alsoissued during the year.Initiatives at enhancing public disclosures:21. With a view to improving transparency inoperations, the Authority has been working towardsenhancing disclosures to be made by insurancecompanies on periodic basis. A major step in thisdirection has been the issuance of disclosureguidelines in January, 20<strong>10</strong>. The stipulations ondisclosures to be made by insurance companies havebeen strengthened by the Authority to fill the gap inavailability of information in the public domain. Thesedisclosures are required to be made through(i) Publication in Newspapers; and (ii) Hosting on therespective company websites, effective from theperiod ended 31 st March, 20<strong>10</strong>. This initiative hasplaced the insurance companies, which are presentlynot publicly listed entities, at par with the listed entitiesin the corporate world in terms of public disclosures.Listed corporate entities are governed by the termsof the Listing Agreement, which amongst other thingsprovides for public disclosure of performance on aquarterly basis.Disclosures in the Prospectus Document:22. Public disclosure of risks faced by the insurers iscritical for ensuring a fair and orderly growth of theinsurance sector. The disclosures are required to bereliable and timely to ensure efficiency of the markets.The disclosures also provide necessary feedback tothe insurance regulator to ensure safety of investorsas well as the policyholders. While individualpolicyholders may not have the necessary ability andresources to undertake the task of assessing theinsurers, other stakeholders, including the analysts inthe market can provide necessary inputs based onthe disclosures made by the insurance companies.23. Several insurance companies will be completing<strong>10</strong> years of their operations shortly, after which theymay be allowed by the Regulator to go for an InitialPublic Offer (IPO). It is essential that the investorsare fully aware of the financial performance, companyprofile, financial position, the risk exposure, elementsof corporate governance in place, and themanagement of the insurance companies. TheAuthority is participating in the discussions at themeetings of the Standing Committee on Disclosures& Accounting Issues (SCODA) set up by Securitiesand Exchange Board of India (SEBI) to finalise thedisclosure requirements for insurance companies inthe Prospectus document. While laying down thestipulations on disclosure requirements, the Authorityhas drawn on the international best practices in thisregard. It is proposed that the disclosure requirementsfor the life and non-life companies would be separatelymandated given the nature of their respectivebusinesses.Amalgamation of Insurance Companies:24. There is a view that the insurance Sector in Indiacould be a witness to some degree of consolidation.The Authority has been approached by players in thenon-life space in the Indian insurance market toamalgamate their existing ventures to create thesecond largest private sector general insurance4
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>company in the sector. The Authority is activelyconsidering the proposal and would likely to put inplace systems whereby any amalgamation in theinsurance space fully ensures protection of theinterests of the policyholders, while contributing to amore vibrant market in the country. Prior to this, therehas been only one instance when the promoters of alife insurance company had expressed inability tocontinue operations in the life insurance space, andtheir stake was picked up another entity post the duediligence process carried out by the Authority. TheAuthority had through its quick actions ensured thatthe situation did not remain fluid for too long, took stepsto ring-fence the assets of the company and at thesame time initiated action to ensure that the interestsof the policyholders were not compromised in anymanner.Economic capital (EC):25. It is acknowledged from the experience globallythat insurance is a capital intensive business. Theneed to improve the capital efficiency withoutthreatening the solvency is becoming increasinglyessential in view of the recent macro-economicdevelopments in the wake of the financial crisis whichstarted in 2007. Economic capital (EC) reflects theoptimum levels of capital required by an insuranceentity. The main objective of estimating EC is toseparate the liability and risk parts clearly out of thetotal reserves (including solvency margin). EC can bea common currency of risk if measured consistently.The word ‘economic’ indicates the fact that it measuresrisk in terms of economic realities rather than basedon certain pre-defined rules. The economic capital isdetermined in the context of the capital required tomeet the insurance risk, market risk, operational risk,credit risk, etc., separately. Commencing from thefinancial year <strong>2009</strong>-<strong>10</strong>, the life insurance companieshave been advised to submit a detailed <strong>report</strong> settingout the Economic Capital. This exercise would give adeeper insight into the risks an insurance company isfaced with and their impact on the solvency position.Financial Condition Report (FCR) for non-lifeinsurance companies:26. The non-life insurance companies have beenmandated to submit the Financial Condition Report<strong>annual</strong>ly, effective 31 st March, 20<strong>10</strong> for the saidfinancial year in the prescribed format. The objective5of the FCR is to facilitate analysis of the current blockof business as on the valuation date to bring out clearlythe challenges the insurers face in terms of meetingthe solvency requirements, their profitability and otherrisks viz. morbidity, liquidity, credit and expense,investment return, asset-liability mismatch, etc. Thisexperience will also indicate the insurer’s position onthese parameters for the next one year. With thisinitiative, the Authority has expanded its mandate onthe submission of the FCR beyond the life insurancecompanies to also bring in the non-life insurers withinthe ambit of such <strong>report</strong>ing.Initiatives at AML FATF:27. Under the existing framework, the Inter-MinisterialCoordination Committee on AML/CFT (IMCC) hasbeen set up as the co-ordinating body on issuesrelating to membership into FATF and further followup processes. The inputs for the process andimplementation of the recommendations are beinghandled by the respective regulators/agencies. Basedon the initiatives of the respective regulators/agenciesIndia has been granted membership of the FATF inJune, 20<strong>10</strong>. Concerns expressed by FATF in termsof implementation of certain recommendations arebeing addressed through the approved action planwhich has been submitted to the Secretariat of theFATF. The existing framework has workedsatisfactorily and has delivered in terms of India beinggranted the membership of FATF. More recently, theNational Regulatory Framework AssessmentCommittee comprising of representatives from thefinancial sector regulators and the Governmentagencies has been constituted to address variousregulatory concerns and to facilitate the process ofplugging the various gaps observed in compliance withthe various recommendations.28. As part of the various initiatives taken by theAuthority, all life insurers have been advised to collectPAN from all persons purchasing insurance productswhere the contracted <strong>annual</strong> premium payable on theinsurance policies, per policy basis, exceeds Rupeesone lakh. For persons who are exempt from therequirement of PAN, insurers are required to collect adeclaration from the proposer wherein the provisionunder which he/she has been exempted, is requiredto be disclosed.
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>Corporate Governance guidelines for insurancecompanies:29. Corporate Governance guidelines have been putin place for insurance companies. As per thestipulations, insurance companies were required tobe compliant with the guidelines effective from 1 st April,20<strong>10</strong>. The Guidelines provide for the structure,responsibilities and functions of the Board of Directorsand the senior management of the company. Theguidelines cover the major structural elements of aninsurance company, including governance structure;Board of Directors; Control functions; seniormanagement - CEO and other senior functionaries,role of Appointed Actuaries, external audit –Appointment of Statutory Auditors; Disclosures;Outsourcing; relationship with stakeholders;interaction with the supervisor; and the whistle blowingpolicy. Insurers are required to have a minimum oftwo independent directors on their Board as long asthey are unlisted, and all directors must meet the ‘fitand proper’ criteria. The Guidelines have further laiddown stipulations on formation of mandatorycommittees - Audit; Investment; Risk Management;Asset Liability Management (in case of life insurancecompanies); Policyholder Protection; and optionalcommittees - Remuneration; Nomination; and Ethics.Initiatives towards policyholder protection:30. With a view to protecting the interests ofpolicyholders, the <strong>IRDA</strong> has taken a number ofinitiatives in the current financial year 20<strong>10</strong>-11. Theobjective of these initiatives is to rationalise the productfeatures through such clauses as (i) minimum lock-inperiod being increased from three years to five years,with the stipulation being applicable to even top-ups;(ii) charges on Unit Linked Insurance Products (ULIPs)have been mandated to be spread evenly over thelock-in-period; (iii) ULIPs, other than single premiumproducts, to have a minimum premium paying term offive years; (iv) individual products to have a minimumpolicy term of five years, although group productscontinue to be on <strong>annual</strong> renewable basis; (v) allproducts including pension/annuity must have aminimum sum assured payable on death; (vi) ULIPpension/annuity products shall offer a minimumguaranteed return of 4.5 per cent per annum or asspecified by <strong>IRDA</strong> from time to time; (vii) top uppremium must also have insurance cover; (viii) thefacility of partial withdrawal to be permissible only afterthe fifth policy anniversary for individual products.Partial withdrawals in case of pension/annuity productsare not allowed and the insurer shall convert theaccumulated fund value into an annuity at maturity;and (ix) all ULIPs, other than pension and annuityproducts must provide the prescribed minimummortality/health cover.31. The Authority also issued guidelines on ‘Healthplus Life Combi Products’ paving the way for combinedproducts whereby pure term life insurance productscan be offered by life insurance companies andstandalone health insurance products offered by nonlifeinsurance companies under the umbrella of asingle product.Grievance Redressal:32. The Consumer Affairs Department of <strong>IRDA</strong>handles policyholder grievances, apart from carryingout awareness campaigns on insurance. TheGrievance Cell looks into the complaints frompolicyholders against life and non-life insurancecompanies. Prospects and policyholders are advisedto first file their complaints with the respectiveinsurance companies. The Grievance Cell facilitatesredressal by taking up the complaints with thecompany. Where required, investigations andenquiries are carried out by <strong>IRDA</strong>. Recently, <strong>IRDA</strong> hasprovided an alternative channel for prospects andpolicyholders to lodge complaints with the GrievanceCell by launching the <strong>IRDA</strong> Grievance Call Centre(IGCC). The IGCC receives and registers complaintsthrough a Toll Free number. Complainants can alsotrack the status of their complaints through IGCC. TheAuthority is also in the process of implementing theIntegrated Grievance Management System (IGMS)through automation of the Grievance Cell for on-lineregistration of complaints. The proposed automatedsystem would also enable on-line verification of statusand redressal. Further, under the CorporateGovernance guidelines, the Authority has alsomandated that insurers shall have in place thePolicyholder Protection Committee.Strengthening on-site inspections:33. The financial year <strong>2009</strong>-<strong>10</strong> was the tenth year ofoperations of insurance companies, post opening upof the sector. While the Authority has beencontemplating commencement of comprehensive onsiteinspection, it was considered that the registered6
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>insurers should be allowed time to stabilise operationsprior to taking up full scale inspection. Commencingfrom the current financial year, 20<strong>10</strong>-11, on-siteinspection targeted on critical issues in respect of fourlife insurers and four non-life insurers has beenundertaken. The Authority proposes to strengthen itsactivities in this critical area of its operations.Data Warehouse:34. The Authority has constituted the InsuranceInformation Bureau (IIB), an advisory body which iscollecting, processing and disseminating data. IIB hasbeen formed to ensure that the business data ofinsurance companies is collected and processed inan orderly manner and is made available at regularintervals. Hence, it is useful for the various marketplayers, researchers, policyholders as well as thepublic at large for real-time decision making. IIBfunctions as a single point official reference for theentire data requirement on the insurance sector. Allthe necessary decisions regarding processing anddissemination of data are being undertaken as perthe policy laid down by the Bureau. All non-life insurersare required to upload the insurance data on motor,health and other lines of business online as per thedata formats prescribed and provided by <strong>IRDA</strong>. Aspart of the initiative, aggregate level data for the nonlifeindustry as a whole is made available to theinsurers for making better underwriting decisions.Initiatives taken at Authority on Implementation ofIFRS:35. The Authority had constituted a Working Groupin October, 2008 to decide the road map forimplementation of International Financial ReportingStandards (IFRS). The Working Group had submittedits Report in June, <strong>2009</strong>. The Report submitted by theGroup raised various issues which may emerge onimplementation of IFRS which is due for applicationto the insurance companies by 2012-13. The basicapproach adopted by the Authority is that it will not bean adoption of IFRS but it will be a convergence toIFRS.36. The Institute of Chartered Accountants of India(ICAI) has issued the exposure draft on InsuranceContracts in the form of IAS 39 which is yet to benotified as Accounting Standard by National AdvisoryCommittee on Accounting Standards (NACAS). In themeantime, IASB has issued exposure draft onInsurance Contracts. IAS 39 compliance is anintermediary step in moving forward to convergenceto IFRS.37. The Authority has recently constituted a WorkingGroup to address the issues in this situation. TheWorking Group consists of the officers of the Authorityand experts in the field of accounts and actuarial fromthe industry. The task of the Group is to examine theexposure draft on IAS 4 and various other issuesarising out of the implementation of IFRS.Performance in the first quarter of 20<strong>10</strong>-11:38. The life insurers underwrote new business of`25,522 crore during the first quarter in the currentfinancial year, 20<strong>10</strong>-11 as against `14,456 crore inthe corresponding first quarter in <strong>2009</strong>-<strong>10</strong>, recordinggrowth of 76.55 per cent. Of the new businesspremium underwritten, LIC accounted for`18,740 crore (73.43 per cent market share) and theprivate insurers accounted for `6,782 crore (26.57 percent market share). The market share of these insurerswere 62.45 per cent and 37.55 per cent respectivelyin the corresponding period of <strong>2009</strong>-<strong>10</strong>.The non-lifeinsurers underwrote a premium of `<strong>10</strong>,755 croreduring the first quarter of the current financial yearrecording a growth of 21.83 per cent over `8,827 croreunderwritten in the same period in <strong>2009</strong>-<strong>10</strong>. Theprivate sector non-life insurers underwrote a premiumof `4,361 crore in April-June, 20<strong>10</strong> as against`3,586 crore in April-June, <strong>2009</strong>, <strong>report</strong>ing a growthof 21.61 per cent. The public sector non-life insurersunderwrote a premium of `6,391 crore which washigher by 21.88 per cent (`5,244 crore in the firstquarter of <strong>2009</strong>-<strong>10</strong>). The market share of the publicand private insurers stood at 59.44 and 40.56 per centat the end of the quarter (59.36 and 40.64 at the endof June <strong>2009</strong>).39. ECGC underwrote credit insurance of `208 croreas against `190 crore in the previous year, a growthof 9.66 per cent. AIC underwrote agricultural insuranceof `149 crore as against `132 crore in the previousyear, i.e., a growth of 12.84 per cent. The healthinsurers (Star Health, Apollo Munich and Max Bupa)underwrote premium of `364 crore as against `246crore in the previous year, <strong>report</strong>ing growth of 48.23per cent.7
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>8
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>PART IPOLICIES AND PROGRAMMES1. GENERAL ECONOMIC ENVIRONMENTI.1.1 The Indian economy exhibited good recovery in<strong>2009</strong>-<strong>10</strong> and recorded a Gross Domestic Product(GDP) growth rate of 7.4 per cent, higher than thegrowth of 6.7 per cent of the previous year. Therecovery was pertinent against the backdrop of theslowdown witnessed in the economy in the latter partof 2008-09. Except agriculture sector, which grew bya mere 0.2 per cent, other sectors of the economy<strong>report</strong>ed positive growth rates. While industrial sector<strong>report</strong>ed <strong>10</strong>.4 per cent growth (3.1 per cent in previousyear), the growth rate for services sector was 8.3 percent (9.3 per cent in previous year). The low growthrate <strong>report</strong>ed in agricultural sector was on account ofdeficiency in the South-West Monsoon, which caused6.9 per cent fall in food production to 218.2 milliontonnes. In spite of a decline in food grains production,the growth rate of GDP from agriculture was positivedue to growth in other areas of agriculture such ashorticulture, livestock, forestry and logging, andfisheries.I.1.2 During <strong>2009</strong>-<strong>10</strong>, the industrial sector witnessed<strong>10</strong>.4 per cent growth, which was higher than the 9.1per cent <strong>annual</strong> average growth rate achieved duringthe pre-global financial crisis years, 2003-08. TheIndex of Industrial Production (IIP) clocked a growthof <strong>10</strong>.5 per cent during <strong>2009</strong>-<strong>10</strong> (8.7 per cent during2003-08). The growth was observed in all three subsectorsviz., mining (9.9 per cent), manufacturing (<strong>10</strong>.9per cent) and electricity (6.0 per cent). On Use-basedclassification of sectors, capital goods andintermediate goods <strong>report</strong>ed a growth of 19.2 per centand 13.6 per cent respectively.I.1.3 The services sector exhibited significantresilience to the contagion from the global crisis.During <strong>2009</strong>-<strong>10</strong>, the services sector’s contribution tothe GDP, registered an 8.3 per cent growth (<strong>10</strong>.1 percent during pre-crisis years 2003-08). Domesticdemand driven services such as commercial vehiclesales, cell-phone connections, railway traffic andconstruction activity showed higher rate of growth.Services dependent on external demand such astourist arrivals, cargo handled at major ports andpassengers handled at international terminalsrecovered during <strong>2009</strong>-<strong>10</strong>, although it still remainedbelow the pre-crisis levels. In the road sector,construction and widening of national highwayscontinued at a fast pace during <strong>2009</strong>-<strong>10</strong>, while freighttraffic carried by the railways also increased.I.1.4 The growth in Private Final ConsumptionExpenditure (PFCE) moderated to 4.3 per cent in<strong>2009</strong>-<strong>10</strong> (the average for 2003-08 was 7.6 per cent).The moderation reflects the sluggish demand fromthe private sector. With a view to compensating forthe slowdown in PFCE, the Government has resortedto expansionary fiscal measures supported byexpansionary monetary policy by the Reserve Bankof India (RBI). This has resulted in Government FinalConsumption Expenditure (GFCE) nearly doubling at<strong>10</strong>.5 per cent during <strong>2009</strong>-<strong>10</strong> (as against five-yearaverage of 5.6 per cent during 2003-08). The increasein GFCE has led to a decline in public sector savingswhich has come down from 5.0 per cent in 2007-08 to1.4 per cent in 2008-09. However, the saving rate ofhousehold sector and private corporates remainedstable at 22.6 per cent and 8.4 per cent respectively(22.6 per cent and 8.7 per cent during 2007-08).I.1.5 During <strong>2009</strong>-<strong>10</strong>, inflation changed its coursesignificantly over two distinct phases. While Year-on-Year Wholesale Price Index (WPI) inflation remainedlow during first half of the year (negative during June-August <strong>2009</strong>), it accelerated in the second half to reach11.0 per cent by March, 20<strong>10</strong>. The base effect of highprices in the first half of 2008-09 contributed to thelow rate of inflation during the first half of <strong>2009</strong>-<strong>10</strong>.The decline in the base effect, along with sharpincrease in prices of food items and oil pricescontributed to the increase in inflation during thesecond half of <strong>2009</strong>-<strong>10</strong>. Lower agricultural productionand increase in oil prices at the international levelswere also the contributory factors. The domestic equitymarkets witnessed a substantial rebound in activitydue to strong domestic recovery and improvedexternal conditions in <strong>2009</strong>-<strong>10</strong>. The benchmarkBombay Stock Exchange (BSE) Sensex closed at17,529 points as on 31 st March, 20<strong>10</strong> surpassing 9,709points as on 31 st March, <strong>2009</strong>, although stillsignificantly lower than its peak levels. The corporatesector raised `32,607 crore through public issues9
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>during <strong>2009</strong>-<strong>10</strong>, both initial and follow-on offering,which was higher than `14,671 crore raised during2008-09. Foreign Institutional Investors (FIIs) invested`1,12,236 crore in the Indian equity market during<strong>2009</strong>-<strong>10</strong>. This is in marked reversal of 2008-09 whenthe FIIs had withdrawn `48,248 crore from the capitalmarket, and is still reflective of the fragile financialposition of the global economy. The growth inmerchandise exports remained negative for 12successive months during October 2008 to September<strong>2009</strong>. It, however, witnessed a turnaround in October<strong>2009</strong>, reflecting the turnaround for the economy. Therecovery in domestic economic activity andresurgence in oil prices, also led to a rebound in India’simports, from November <strong>2009</strong> onwards. As a result,imports witnessed a robust growth at a monthlyaverage of 47.9 per cent during December <strong>2009</strong> toJune 20<strong>10</strong>.I.1.6 On the strength of short-term capital inflows andpositive growth outlook, the rupee appreciated againstthe US dollar in <strong>2009</strong>-<strong>10</strong>, though this was marked byintermittent depreciation pressures. An easy supplysituation against the backdrop of revival in capital flowstoo led to moderation in forward premia. Althoughcapital inflows were not excessive in relation to thefinancing gap in the current account, the exchangerate appreciated, reflecting the flexibility of theexchange rate. The average exchange rate (Rupee/US Dollar) for the year <strong>2009</strong>-<strong>10</strong> was 47.4 (45.9 in2008-09). During <strong>2009</strong>-<strong>10</strong>, the net accretion to India’sforeign exchange reserve was USD 27.1 billion(including revaluation gains). The revaluation gainsaccrued on account of two factors, viz., (i) depreciationof the US dollar vis-a-vis other non-US dollarcurrencies in which part of the reserves aremaintained; and (ii) increase in price of gold, whichremained buoyant for most part of <strong>2009</strong>-<strong>10</strong>.2. WORLD INSURANCE SCENARIOI.2.1 As per World Insurance Report published byreinsurance major Swiss Re, the global insurancepremium for the calendar year <strong>2009</strong> wasUSD 4066 billion, which is 1.1 per cent (inflationadjusted)lower than USD 4220 billion <strong>report</strong>ed duringthe previous calendar year 2008.I.2.2 The share of life insurance business was 57 percent in total premium collection. While life insurancebusiness collected USD 2331 billion as premium, thesame for non-life business was USD 1735 billion.During <strong>2009</strong>, the premium in life insurance businessfell by 2 per cent on account of double digit decline inpremium collection in USA and UK. However,compared to 2008, when life insurance premium fellby 5.8 per cent, this is an improvement on account ofthe improved sentiment in the calendar year <strong>2009</strong>.On a product basis, investment-linked insuranceproducts continued to perform worse than traditionalproducts with guaranteed returns. Meanwhile,premiums in most emerging market countries,particularly in Asia, continued to grow, albeit at aslower pace. As major investors, life insurers profitedfrom the recovery of stock and credit markets.Profitability and risk capital also improved as capitalmarkets rebounded, but have not yet returned to theirpre-financial crisis levels.TABLE 1REAL GROWTH IN PREMIUM DURING <strong>2009</strong>*(In per cent)Regions/Countries Life Non-Life TotalIndustrialised countries -2.8 -0.6 -1.8Emerging markets 4.2 2.9 3.5Asia 1.8 5.6 2.8India** <strong>10</strong>.1 1.6 9.0World -2.0 -0.1 -1.1Source: Swiss Re, Sigma No. 3/20<strong>10</strong>. Note: * calendar year.** Financial Year <strong>2009</strong>-<strong>10</strong>I.2.3 During the crisis, non-life insurance was notsignificantly impacted. Despite losses on theinvestment side, insurers had more than enoughcapacity to meet the demand. Non-life premiumsremained stable in <strong>2009</strong>, falling just 0.1 per cent. Whilenon-life premiums fell in the US and Europe, they rosein the other regions. Given the sharp decline of realGDP, this flatness is reasonably acceptable.Nevertheless, combined ratios show that underwritingresults have further weakened. In <strong>2009</strong>, underwritingresults in non-life turned negative, despite lowernatural catastrophe losses and lower losses from theUS financial guarantee business, which had hurtunderwriting results in 2008. It was, thus, lowerpremium rates in non-life insurance which hurtprofitability in <strong>2009</strong>. There was no shortage of capacityand premium rates did not increase. Still, overallprofitability improved due to the recovery of credit andequity markets, as witnessed in the life segment.<strong>10</strong>
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>I.2.4 In sixty-six per cent of the countries, insurancegrew faster than GDP, which shows the robustnessof the industry. Further, as credit and stock marketsrecovered in <strong>2009</strong>, the industry was able to restore itscapital base. Investment results and overall profitabilityalso improved during the period. During the financialcrisis, the insurance industry continued to providecover and pay claims, reflecting the industry’srobustness. Unlike the banking sector, insurers didnot receive government support in the form of capitalor guarantee, except in a few cases. Thus, theinsurance industry was largely not impacted by thefinancial crisis in the same way as banking sector hadbeen although asset values showed a decline in linewith the overall trends across world economies.I.2.5 During year 20<strong>10</strong>, it is expected that overallpremium growth in the industry will turn positive andprofitability and balance sheets will continue toimprove. The prospects for life insurance in 20<strong>10</strong> arepromising as growth resumes in the sector. A furtherrecovery of the financial markets is likely to stimulatethe overall growth of unit-linked products and allowinsurers to continue strengthening their balancesheets. Over the longer term, life insurance will profitfrom the ageing of the population, which will boostthe sales of pension, disability, critical illness and longtermcare products. Non-life premium growth in theindustrialised countries is gradually expected to rise.However, the continued pressure on rates will hamperprofitability and could limit premium growth. As interestrates are likely to stay low in 20<strong>10</strong>, investment returnswill also be adversely affected. Overall, profitabilityand return on equity will be below average.Insurance density in select countries - <strong>2009</strong>Source: Swiss Re, Sigma No. 3/20<strong>10</strong>.Data is in USD.11
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>Insurance penetration in select countries - <strong>2009</strong>Source: Swiss Re, Sigma No. 3/20<strong>10</strong>.Indian Insurance in the global scenarioI.2.6 In life insurance business, India ranked 9 th amongthe 156 countries for which data are published bySwiss Re. During <strong>2009</strong>, the life insurance premium inIndia grew by <strong>10</strong>.1 per cent (inflation adjusted).However, during the same period, the global lifeinsurance premium had contracted by 2 per cent. Theshare of Indian life insurance sector in global marketwas 2.45 per cent during <strong>2009</strong>, as against 1.98 percent in 2008.I.2.7 The non-life insurance sector witnessed amarginal growth of 1.6 per cent during <strong>2009</strong>. However,its performance was better when compared to globalnon-life premium, which contracted by 0.1 per centduring the same period. The share of Indian non-lifeinsurance premium in global non-life insurancepremium remained very low at 0.46 per cent and Indiaranked 26 th in global non-life insurance premium.Insurance penetration & density in IndiaI.2.8 The measure of insurance penetration anddensity reflects the level of development of insurancesector in a country. While insurance penetration ismeasured as the percentage of insurance premiumto GDP, insurance density is calculated as the ratio ofpremium to population (per capita premium). Sinceopening up of Indian insurance sector for privateparticipation, India has <strong>report</strong>ed increase in bothinsurance penetration and density. But, the increasehas been almost entirely contributed by the lifeinsurance sector.12
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>TABLE 2INSURANCE PENETRATION AND DENSITY IN INDIALife Non-Life IndustryYear Density Penetration Density Penetration Density Penetration(USD) (% age) (USD) (% age) (USD) (% age)2001 9.1 2.15 2.4 0.56 11.5 2.712002 11.7 2.59 3.0 0.67 14.7 3.262003 12.9 2.26 3.5 0.62 16.4 2.882004 15.7 2.53 4.0 0.64 19.7 3.172005 18.3 2.53 4.4 0.61 22.7 3.142006 33.2 4.<strong>10</strong> 5.2 0.60 38.4 4.802007 40.4 4.00 6.2 0.60 46.6 4.702008 41.2 4.00 6.2 0.60 47.4 4.60<strong>2009</strong> 47.7 4.60 6.7 0.60 54.3 5.20Insurance density is measured as ratio of premium (in US Dollar) to total population.Insurance penetration is measured as ratio of premium (in US Dollars) to GDP (in US Dollars).Source: Swiss Re, Various Issues.I.2.9 The insurance density of life insurance sectorhad gone up from USD 9.1 in 2001 to USD 47.7 in<strong>2009</strong>. Similarly, insurance penetration of life sectorhad gone up from 2.15 per cent in 2001 to 4.60 percent in <strong>2009</strong>.I.2.<strong>10</strong> The penetration of non-life insurance sector inthe country remains near-constant for the last 9 yearsat around 0.60 per cent. However, there is a marginalincrease in density, which has increased from USD2.4 in 2001 to USD 6.7 in <strong>2009</strong>.13
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>3. APPRAISAL OF INDIAN INSURANCE MARKETRegistered InsurersI.3.1 At end-September 20<strong>10</strong>, there were forty-eightinsurance companies operating in India; of whichtwenty three were in the life insurance business andthe remaining twenty-four were in general insurancebusiness. In addition, GIC is the national reinsurer.I.3.2 Of the forty-eight companies presently inoperations, 8 are in the public sector: two specialisedinsurers, namely ECGC and AIC, one in life insurance,four in general insurance and one reinsurance. Theremaining forty companies are in the private sector.TABLE 3REGISTERED INSURERS IN INDIA(As on 30 th September, 20<strong>10</strong>)Type of business Public PrivateSector Sector TotalLife Insurance 1 22 23General Insurance 6* 18** 24Reinsurance 1 0 1Total 8 40 48* Includes specialised insurance companies - ECGC and AIC** Includes three Standalone Health Insurance Companies –Star Health & Allied Insurance Co., Apollo Munich HealthInsurance Co. and Max Bupa Health Insurance Co.Includes L&T General Insurance Company Ltd., which wasgranted registration in 20<strong>10</strong>-11.I.3.3 During the financial year <strong>2009</strong>-<strong>10</strong>, <strong>IRDA</strong> hadgranted Certificate of Registration to three newcompanies, viz., IndiaFirst Life Insurance CompanyLtd.; SBI General Insurance Company Ltd., and MaxBupa Health Insurance Company Ltd. L & T GeneralInsurance Company Ltd., was granted registration in20<strong>10</strong>-11.LIFE INSURANCEPremiumI.3.4 Life insurance industry recorded a premiumincome of `2,65,450 crore during <strong>2009</strong>-<strong>10</strong> as against`2,21,785 crore in the previous financial year,registering a growth of 19.69 per cent. While privatesector insurers posted 23.06 per cent growth (25.09per cent in previous year) in their premium income,LIC recorded 18.30 per cent growth (5.01 per cent inprevious year).I.3.5 While renewal premium accounted for 58.60 percent (60.62 per cent in 2008-09) of the total premiumreceived by the life insurers, first year premiumcontributed the remaining 41.40 per cent (39.38 per14
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>cent in 2008-09). During <strong>2009</strong>-<strong>10</strong>, the growth inrenewal premium was 15.69 per cent (24.91 per centin 2008-09). By comparison, the growth in first yearpremium was higher at 25.84 per cent during<strong>2009</strong>-<strong>10</strong> (negative 6.81 per cent in 2008-09).I.3.6 Further bifurcation of the first year premiumindicates that single premium income received by thelife insurers recorded 31.05 per cent growth during<strong>2009</strong>-<strong>10</strong> (negative 3.34 per cent in 2008-09). Singlepremium products continue to play a major role forLIC as they contributed 24.36 per cent of LIC’s totalpremium income (21.64 per cent in 2008-09). Incomparison, the contribution of single premium incomein total premium income was only 4.84 per cent forprivate insurance companies during <strong>2009</strong>-<strong>10</strong>(5.41 per cent in 2008-09).I.3.7 The contribution of regular premium to the totalpremium stood at 22.87 per cent in <strong>2009</strong>-<strong>10</strong>(22.46 per cent in 2008-09). During <strong>2009</strong>-<strong>10</strong>, theamount of renewal premium received by the lifeinsurance companies had gone up by 15.69 per cent(24.91 per cent during 2008-09). Private insurers<strong>report</strong>ed higher growth of 35.11 per cent in renewalpremium in <strong>2009</strong>-<strong>10</strong> than <strong>10</strong>.03 per cent <strong>report</strong>ed byLIC.I.3.8 Unit-linked products (ULIPs) witnessed 27.44per cent increase in premium income from`90,647 crore in 2008-09 to `1,15,521 crore in<strong>2009</strong>-<strong>10</strong>. On the other hand, the growth in premiumincome of traditional products was lower at 14.33 percent, with premium income increasing to`1,49,929 crore as against `1,31,138 crore in2008-09. Accordingly, the share of unit-linked productsin total premium increased to 43.52 per cent in<strong>2009</strong>-<strong>10</strong> as against 40.87 per cent in 2008-09.(Statement No. <strong>10</strong>)TABLE 4PREMIUM UNDERWRITTEN BY LIFE INSURERS(` crore)Insurer 2008-09 <strong>2009</strong>-<strong>10</strong>Regular premiumLIC 19140.61 26184.48(-27.01) (36.80)Private Sector 30663.04 34529.75(6.97) (12.61)Total 49803.65 60714.23(-9.26) (21.91)Single premiumLIC 34038.47 45337.42(0.78) (33.19)Private Sector 3488.97 3842.37(-30.91) (<strong>10</strong>.13)Total 37527.44 49179.79(-3.34) (31.05)First Year premiumLIC 53179.08 71521.90(-11.36) (34.49)Private Sector 34152.01 38372.12(1.29) (12.36)Total 87331.09 <strong>10</strong>9894.02(-6.81) (25.84)Renewal premiumLIC <strong>10</strong>4<strong>10</strong>8.96 114555.41(15.94) (<strong>10</strong>.03)Private Sector 30345.43 4<strong>10</strong>00.94(70.05) (35.11)Total 134454.39 155556.35(24.91) (15.69)Total premiumLIC 157288.04 186077.31(5.01) (18.30)Private Sector 64497.44 79373.06(25.09) (23.06)Total 221785.48 265450.37(<strong>10</strong>.15) (19.69)Note: Figure in brackets indicates the growth (in per cent)over the previous years.15
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>Market ShareI.3.9 On the basis of total premium income, the marketshare of LIC declined marginally from 70.92 per centin 2008-09 to 70.<strong>10</strong> per cent in <strong>2009</strong>-<strong>10</strong>. Accordingly,the market share of private insurers had gone upmarginally from 29.08 per cent in 2008-09 to 29.90per cent in <strong>2009</strong>-<strong>10</strong>.I.3.<strong>10</strong> The market share of private insurers in firstyear premium was 34.92 per cent in <strong>2009</strong>-<strong>10</strong> (39.11per cent in 2008-09). The same for LIC was 65.08 percent (60.89 per cent in 2008-09). However, in renewalpremium, LIC had a much higher share of 73.64 percent (77.43 per cent in 2008-09) when compared to26.36 per cent (22.57 per cent in 2008-09) share ofprivate insurers.TABLE 5MARKET SHARE OF LIFE INSURERS(per cent)Insurer 2008-09 <strong>2009</strong>-<strong>10</strong>Regular PremiumLIC 38.43 43.13Private Sector 61.57 56.87Total <strong>10</strong>0.00 <strong>10</strong>0.00Single PremiumLIC 90.70 92.19Private Sector 9.30 7.81Total <strong>10</strong>0.00 <strong>10</strong>0.00First Year PremiumLIC 60.89 65.08Private Sector 39.11 34.92Total <strong>10</strong>0.00 <strong>10</strong>0.00Renewal PremiumLIC 77.43 73.64Private Sector 22.57 26.36Total <strong>10</strong>0.00 <strong>10</strong>0.00Total PremiumLIC 70.92 70.<strong>10</strong>Private Sector 29.08 29.90Total <strong>10</strong>0.00 <strong>10</strong>0.00New PoliciesI.3.11 During <strong>2009</strong>-<strong>10</strong>, life insurers had issued 532lakh new policies, out of which, LIC issued 389 lakhpolicies (73.02 per cent of total policies issued) andthe private life insurers issued 144 lakh policies (26.98per cent). While LIC <strong>report</strong>ed an increase of 8.21 percent (-4.52 per cent in 2008-09) in the number ofpolicies issued over the previous year, the privatesector insurers <strong>report</strong>ed a decline of 4.32 per cent(13.19 per cent increase in 2008-09) in the number ofnew policies issued.I.3.12 Overall, the industry witnessed a 4.52 per centincrease (0.<strong>10</strong> per cent in 2008-09) in the number ofnew policies issued.TABLE 6NEW POLICIES ISSUED : LIFE INSURERS(in lakh)Insurer 2008-09 <strong>2009</strong>-<strong>10</strong>LIC 359.13 388.63(-4.52) (8.21)Private Sector 150.11 143.62(13.19) (-4.32)Total 509.24 532.25(0.<strong>10</strong>) (4.52)Note: Figure in brackets indicates growth over previous year(in per cent).Paid-up capitalI.3.13 The total capital of the life insurance companiesas on 31 st March, 20<strong>10</strong> was `21,020 crore. During<strong>2009</strong>-<strong>10</strong>, an additional capital of `2,765 crore wasbrought in by the industry. The incremental capitalduring <strong>2009</strong>-<strong>10</strong> was brought in by the private sectorinsurers as there was no addition in the capital of LIC,the public sector insurance company.16
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>TABLE 7PAID-UP CAPITAL : LIFE INSURERS(` crore)INSURER 31 st March, Additions 31 st March,<strong>2009</strong> during 20<strong>10</strong><strong>2009</strong>-<strong>10</strong>LIC 5.00 0.00 5.00Private Sector 18249.77 2765.22 2<strong>10</strong>14.99TOTAL 18254.77 2765.22 2<strong>10</strong>19.99Expenses of life insurersI.3.14 As per section 40B of the Insurance Act, 1938no life insurer can spend as expenses of managementin any year an amount in excess of the limitsprescribed under Rule 17D of the Insurance Rules,1939. Rule 17D takes into consideration the size andage of the insurer, while laying down the limits of suchexpenses. The <strong>IRDA</strong>, on the recommendations of theLife Insurance Council constituted under Section 64Fmay enhance the limits in any year. Expenses ofmanagement refer to all charges incurred whetherdirectly or indirectly and include commission paymentsof all kinds, operating expenses and expenditurecapitalised.TABLE 8COMMISSION EXPENSES : LIFE INSURERS(` crore)Insurer 2008-09 <strong>2009</strong>-<strong>10</strong>Regular PremiumLIC 4350.91 6<strong>10</strong>0.48Private Sector 4554.34 4975.86Total 8905.25 1<strong>10</strong>76.34Single PremiumLIC 432.81 526.38Private Sector 39.15 46.11Total 471.96 572.49First Year PremiumLIC 4783.72 6626.85Private Sector 4593.49 5021.98Total 9377.21 11648.83Renewal PremiumLIC 5271.37 5505.71Private Sector 880.78 <strong>10</strong>30.77Total 6152.15 6536.48Total PremiumLIC <strong>10</strong>055.09 12132.56Private Sector 5474.27 6052.75Total 15529.36 18185.31I.3.15 The increase in expenses was lower than theincrease in the gross premium collected by theinsurers in <strong>2009</strong>-<strong>10</strong>. As such, the commissionexpenses ratio (commission expenses as apercentage of premiums) declined marginally to 6.85per cent in <strong>2009</strong>-<strong>10</strong> from 7.00 per cent of 2008-09.Overall, while the commission expenses increased inthe case of regular premium, there has been a fall inthe commission paid towards both single and renewalpremium products. However, there is some variationin the position when compared between the privateinsurers and LIC, as reflected in Table 9, providingbifurcation of the commission ratios for both privateand public sector life insurers.TABLE 9COMMISSION EXPENSES RATIO :LIFE INSURERS(in per cent)Insurer 2008-09 <strong>2009</strong>-<strong>10</strong>Regular PremiumLIC 22.73 23.30Private Sector 14.85 14.41Total 17.88 18.24Single PremiumLIC 1.27 1.16Private Sector 1.12 1.20Total 1.26 1.16First Year PremiumLIC 9.00 9.27Private Sector 13.45 13.09Total <strong>10</strong>.74 <strong>10</strong>.60Renewal PremiumLIC 5.06 4.81Private Sector 2.90 2.51Total 4.58 4.20Total PremiumLIC 6.39 6.52Private Sector 8.49 7.63Total 7.00 6.85Note: Commission expenses ratio is the ratio betweencommission expenses and the premium underwritten by lifeinsurers17
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>I.3.16 The operating expenses of the life insurers haddecreased to <strong>10</strong>.85 per cent in <strong>2009</strong>-<strong>10</strong> from theirearlier level (11.65 per cent in 2008-09). The operatingexpenses towards life insurance business were`28,807 crore in <strong>2009</strong>-<strong>10</strong> as against `25,827 crore in2008-09.TABLE <strong>10</strong>OPERATING EXPENSES : LIFE INSURERS(` crore)Insurer 2008-09 <strong>2009</strong>-<strong>10</strong>LIC 9064.29 12245.82Private Sector 16763.03 16561.11TOTAL 25827.32 28806.93I.3.17 Operating expenses, as a per cent of grosspremium underwritten, increased marginally for LICfrom 5.76 per cent in 2008-09 to 6.58 per cent in <strong>2009</strong>-<strong>10</strong>. However, the same declined sharply for privateinsurers from 25.99 per cent in 2008-09 to 20.86 percent in <strong>2009</strong>-<strong>10</strong>. For the industry as a whole, theoperating expenses ratio declined from 11.65 per centin 2008-09 to <strong>10</strong>.85 per cent in <strong>2009</strong>-<strong>10</strong>. The effortsat rationalising and bringing down the expense ratiosare in line with <strong>IRDA</strong>’s stand that private insurancecompanies should take all steps to ensure compliancewith the mandatory stipulations on the expenses ofmanagement.TABLE 11OPERATING EXPENSES RATIO : LIFE INSURERS(in per cent)INSURER 2008-09 <strong>2009</strong>-<strong>10</strong>LIC 5.76 6.58Private Sector 25.99 20.86TOTAL 11.65 <strong>10</strong>.85Note: Operating expenses ratio is the ratio of operatingexpenses to the premium underwritten by the life insurersI.3.18 As the initial set-up costs incurred by anyinsurance company is high, the Authority grantedexemption from the limits under Rule 17D to 22 privateinsurers in the first five years of commencement oftheir business operations.I.3.19 Out of the 23 life insurance companies(including 1 PSU) in <strong>2009</strong>-<strong>10</strong>, <strong>10</strong> companies were inthe exemption period. Of the balance, 9 companies(including 1 PSU) were compliant with the limits underRule 17D/directions of the Authority.Benefits PaidI.3.20 The life industry paid higher gross benefits of`95,833 crore in <strong>2009</strong>-<strong>10</strong> (`58,527 crore in 2008-09)constituting 36.<strong>10</strong> per cent of the gross premiumunderwritten (26.39 per cent in 2008-09). The benefitspaid by the private insurers at `16,671 crore(`6,025 crore in 2008-09), showed an increase of176.71 per cent constituting 21.00 per cent of thepremium underwritten (9.34 per cent in 2008-09). LICpaid benefits of `79,162 crore in <strong>2009</strong>-<strong>10</strong>, constituting42.54 per cent of the premium underwritten(`52,502 crore in 2008-09, 33.38 per cent of the totalpremium underwritten). The benefits paid by the lifeinsurers net of re-insurance were `95,578 crore(`58,370 crore in 2008-09). There has been asignificant increase in the benefits paid on account ofsurrenders/withdrawals which stood at `36,244 crore,of which LIC accounted for `22,395 crore and privatesector `13,849 crore. The comparative previous yearstatistics were `13,869 crore, of which LIC accountedfor `9,723 crore and private sector `4,146 crore.Individual Death ClaimsI.3.21 In the year <strong>2009</strong>-<strong>10</strong>, the life insurancecompanies settled 7.26 lakh (6.05 lakh in 2008-09)claims on individual policies, with a total payout of`5,958 crore (`4,798 crore in 2008-09). The numberof claims repudiated stood at 14,693 (12,781 in2008-09) for an amount of `245 crore (`180 crore in2008-09). The number of claims pending at the yearend was 15,892 (16,915 in 2008-09) and the amountinvolved was `286 crore (`243 crore in 2008-09). Ofthese claims, 2,180 were pending for more than oneyear. (Statement No. 12)TABLE 12INDIVIDUAL DEATH CLAIMS : LIFE INSUERS (<strong>2009</strong>-<strong>10</strong>)(Figures in per cent of policies)Insurer Total Claims Claims Claims Claims Break up of claims pendingClaims paid repudiated written pending at — duration wise (Policies)back end of year < 3 3 to 6 6 to 12 > 12months months months monthsPrivate <strong>10</strong>0.00 84.88 7.60 0.04 7.48 68.66 14.47 7.70 9.18LIC <strong>10</strong>0.00 96.54 1.21 0.84 1.41 36.75 23.95 22.55 16.75Total <strong>10</strong>0.00 95.24 1.93 0.75 2.08 49.53 20.15 16.60 13.7218
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>I.3.22 The claim settlement ratio of LIC was higher Group Death Claimsthan that of the private life insurers. While LIC settled96.54 per cent in <strong>2009</strong>-<strong>10</strong> (95.48 per cent inI.3.23 A total of 3,05,739 group claims were settled in2008-09) of claims intimated to it during the same year,the private life insurers settled 84.88 per cent<strong>2009</strong>-<strong>10</strong> out of 3,09,151 claims intimated to the life(82.26 per cent in 2008-09) of the claims intimated. insurers. Of these, the number of claims repudiatedThe percentage of repudiations for LIC was quite low was 1,520, at 0.49 per cent of the claims intimated.at 1.21 per cent (1.33 per cent in 2008-09) as against(Statement No. 13)7.60 per cent (9.97 per cent in 2008-09) for the privatelife insurers.TABLE 13GROUP DEATH CLAIMS : LIFE INSURERS (<strong>2009</strong>-<strong>10</strong>)(Figures in per cent of policies)Insurer Total Claims Claims Claims Claims Break up of claims pendingClaims paid repudiated written pending at — duration wise (Policies)back end of year < 3 3 to 6 6 to 12 > 12months months months monthsPrivate <strong>10</strong>0.00 96.80 1.61 0.02 1.58 71.00 11.16 9.94 7.90LIC <strong>10</strong>0.00 99.80 0.01 0.00 0.19 47.89 20.60 16.13 15.38Total <strong>10</strong>0.00 98.90 0.49 0.01 0.61 66.03 13.19 11.27 9.51I.3.24 In the year <strong>2009</strong>-<strong>10</strong>, the life insurers settled98.90 per cent (98.63 per cent in 2008-09) of the totalclaims payable while 0.61 per cent (0.81 per cent in2008-09) remained pending for settlement orotherwise as at 31 st March, 20<strong>10</strong>. While LIC settled99.80 per cent (99.76 per cent in 2008-09) of groupdeath claims, private insurers settled 96.80 per cent(92.51 per cent in 2008-09). This ratio is much higherthan that of individual policies.Investment incomeI.3.25 As the operations of the life insurers stabilise,their investment base gets strengthened, resulting ininvestment income forming a larger proportion of theirtotal income. In the case of LIC, the investmentincome including capital gains was higher at`1,12,425 crore in <strong>2009</strong>-<strong>10</strong> compared to `42,804 crorein 2008-09. As a percentage of total income, itconstituted 37.64 per cent in <strong>2009</strong>-<strong>10</strong> as against 21.37per cent in 2008-09. The income from investmentincludes transfer/gain on revaluation/change in fairvalue. In the case of private insurers, the investmentincome including capital gains was higher at`42,831 crore in <strong>2009</strong>-<strong>10</strong> as compared to`<strong>10</strong>,416 crore in 2008-09. As a percentage of totalincome, it constituted 30.70 per cent in <strong>2009</strong>-<strong>10</strong>.Retention RatioI.3.26 LIC traditionally reinsures a small componentof its business. During <strong>2009</strong>-<strong>10</strong>, `95 crore was cededas reinsurance premium (`<strong>10</strong>1 crore in 2008-09).Similarly, in the case of private insurers, a smallcomponent of the business was reinsured, with groupbusiness forming the major component of thereinsurance cessions. The private insurers togetherceded `407 crore (`325 crore in 2008-09) as premiumtowards reinsurance. It may be interesting to view thisin the context of the fact that the risks pertaining tothe investments component of the unit linkedinsurance products are borne by the policyholders anda significant component of the new business premiumunderwritten by the industry in <strong>2009</strong>-<strong>10</strong> was towardsunit linked products.Profits of life insurersI.3.27 Life insurance industry is capital intensive, andinsurers are required to infuse capital at regularintervals to fund both the new business strain and toexpand their infrastructure base including expenseson initial operations, training costs for developmentof the distribution channels, creating niche marketsand achieving reasonable levels of persistency. Theexperience of the insurance markets globally indicates19
that companies in the life sector take seven to tenyears to break-even.I.3.28 Out of the 23 life insurers in operations during<strong>2009</strong>-<strong>10</strong>, 8 companies have <strong>report</strong>ed profits viz. LIC,ICICI Prudential, Kotak Mahindra, SBI, MetLife, BajajAllianz, Sahara India and Aegon Religare. LifeInsurance Corporation of India had <strong>report</strong>ed net profitof `1,061 crore i.e., an increase of <strong>10</strong>.80 per cent over`957 crore in 2008-09. ICICI Prudential <strong>report</strong>ed anet profit of `258 crore after incurring losses for eightconsecutive years, after setting up operations. KotakMahindra had <strong>report</strong>ed a profit of `69.22 crore for thesecond year in a row; it <strong>report</strong>ed profit for the firsttime in 2008-09. SBI Life <strong>report</strong>ed profit of `276 crore,as against a loss of `26.31 crore in 2008-09. SBI Life<strong>report</strong>ed net profits for three consecutive years priorto this from 2005-06 to 2007-08. MetLife has <strong>report</strong>eda profit of `25.06 crore. The insurer has been <strong>report</strong>ingprofits continuously in the last three financial years.However, MetLife is carrying deficit in thePolicyholders’ Account from 2007-08 to <strong>2009</strong>-<strong>10</strong>.Sahara India <strong>report</strong>ed a profit of `36.15 crore asagainst a loss of `18.15 crore during 2008-09. SaharaIndia had <strong>report</strong>ed profits for the first time in 2007-08.Aegon Religare <strong>report</strong>ed profits for the second yearin the row from inception in 2008-09. The company<strong>report</strong>ed profit of `3.82 crore in <strong>2009</strong>-<strong>10</strong> (`4.08 crorein 2008-09). Aegon is, however, carrying deficit in thePolicyholders’ Account for 2008-09 and <strong>2009</strong>-<strong>10</strong>. BajajAllianz has <strong>report</strong>ed a profit of `542 crore in <strong>2009</strong>-<strong>10</strong>.Shriram Life after <strong>report</strong>ing profits for four years in arow, registered a loss of `18.06 crore during<strong>2009</strong>-<strong>10</strong>, the first in its five year of operations(Statement No.20).I.3.29 The cumulative losses of the life insuranceindustry as at 31 st March, 20<strong>10</strong> stood at `20,143 crore,as against `17,304 crore as at 31 st March, <strong>2009</strong>.ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>20Returns to shareholdersI.3.30 For the year <strong>2009</strong>-<strong>10</strong>, LIC has paid `1,031 croreas dividend to Government of India. This is97 per cent of its net profit earned during the year.LIC had paid the same per cent of its net profit asdividend during 2008-09 when it paid `929 crore asdividend to the ex-chequer.I.3.31 None of the private insurance companies paiddividends during <strong>2009</strong>-<strong>10</strong>. This position is similar tothat in previous year 2008-09.TABLE 14DIVIDENDS PAID : LIFE INSURERS(` Crore)Insurer 2008-09 <strong>2009</strong>-<strong>10</strong>Public 929.12 <strong>10</strong>30.92Private — —Total 929.12 <strong>10</strong>30.92Expansion of officesTABLE 15NUMBER OF LIFE INSURANCE OFFICES*(as on 31 st March)I.3.32 During the year under review, there had beena move towards rationalisation of the offices of lifeinsurance companies in India. While LIC opened 220new offices, the number of offices of the privateinsurers decreased to 8,768 from 8,785 in 2008-09.Most private players resorted to restructuring to bringdown operating costs. Since opening up of the sectorin 2000, this is the first time that a negative growthhas been observed in the number of branch offices ofprivate sector life insurance companies. In 2008-09,the number of offices in the private sector hadincreased by 37.46 per cent.Insurer 20<strong>10</strong> <strong>2009</strong> 2008 2007 2006Private 8768 8785 6391 3072 1645LIC 3250 3030 2522 2301 2220Total 12018 11815 8913 5373 3865* Offices opened after seeking approval of the AuthorityNote: 1) Data collected from life insurers through a special return.2) Office as defined under Section 64VC of the Insurance Act, 1938.
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>I.3.33 With the focus shifting to other than metro andurban regions in the year <strong>2009</strong>-<strong>10</strong>, majority of theoffices of life insurance companies [72.13 per cent(as against 71.32 per cent in 2008-09)], are locatedeither in semi-urban areas or in small towns, whichare not listed in HRA classification of the Ministry ofFinance. The break-up in favour of these areas isequally noticeable in case of both private sector andpublic sector life insurance companies.TABLE 16DISTRIBUTION OF OFFICES* OF LIFE INSURERS (as on 31 st March, 20<strong>10</strong>)Insurer Metro Urban Semi-urban Others TotalPrivate 897 1555 3607 2709 8768LIC 347 550 923 1430 3250Total 1244 2<strong>10</strong>5 4530 4139 12018* Offices opened after seeking approval of the Authority.Note: 1) Data collected from life insurers through a special return.2) Based on the HRA classification of places done by the Ministry of Finance.Metro : Delhi, Mumbai, Chennai, Kolkata, Hyderabad and Bangalore.Urban : A, B-1 and B-2 class cities of the HRA classification.Semi-urban : C class cities of the HRA classification.Others : Places not listed in the HRA classification.BOX ITEM 1PROFITABILITY OF LIFE AND NON-LIFE INSURERSThe nature of Insurance business is long-term and its profitability is a key issue, which depends upon manyfactors (such as interest rate fluctuations, observed mortality rates, lapse rates etc.) and is measureddifferently. With a lot of initial expenses, apart from the very nature of the business, insurance companiestake at least a few years’ time to reach the break-even point. Subsequent to the opening up of the insurancesector to private participation, the number of companies continues to grow. The number of companies,which have started making profits, is also increasing, although there is a delay in moving to positive territory,as against what was envisaged at the time of registration of the insurance companies with <strong>IRDA</strong>. A summaryof the profitability status of the insurance companies as at the end of <strong>2009</strong>-<strong>10</strong> is given below separately forlife and non-life companies.Life Insurance SectorDuring <strong>2009</strong>-<strong>10</strong>, out of the 22 private life companies, seven revealed profit after tax as compared to four inthe previous two years. Out of the seven companies which <strong>report</strong>ed profit in <strong>2009</strong>-<strong>10</strong> three companiesshowed profits continuously for the last two years. It is important to note that the life insurance sector iswitnessing an increasing number of companies which are entering the positive zone. Except for the newcomerswhose expense levels in the initial years are bound to result in sizeable losses, existing insurance companieswhich <strong>report</strong>ed losses during the year, have been able to reduce the quantum of losses when compared tothat incurred in the previous year. The sector has been able to recover from the impact of global meltdownof the previous year (which resulted in a mere growth rate of <strong>10</strong>.15 per cent) and has recorded a growth of19.69 per cent during the year. Additional capital that has been injected into the industry in <strong>2009</strong>-<strong>10</strong> was`2,766 crore. But, for most of the companies the expected break-even point has shifted forward as comparedto what was envisaged at the time of their application for licence to underwrite insurance business inIndia. Many companies achieved their targets (as set out at the licensing stage) in terms of premium income.Although this is a welcome sign, this has its own attendant problems. Along with the premium growth,companies had to invest in expanding their branch network and to augment their policy administration21
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>department, underwriting department etc. Although some increase in capital expenses was seen, increasein expenses of management, especially procurement cost of business had increased significantly. Thisresulted in an increase in operating costs. Also, the companies exceeded their expected levels of managementexpenses per unit premium. Expense growth rate far outweighed the premium growth rate. In addition tothis, the increased lapse rates significantly affected the premium sustainability (hence the profitability) andrendered the loadings (in the premiums) towards the fixed per policy costs insufficient. Mortality experiencehas not affected the profitability of life companies significantly as the experience has not been adverse.The status of profits/losses after tax of the private sector life companies over the past five years is indicatedin the table below:Number of private sector life companies according to profit range*Profit/(Loss) range (` Crore) 2005-06 2006-07 2007-08 2008-09 <strong>2009</strong>-<strong>10</strong>> (<strong>10</strong>00) Nil Nil 1 1 Nil(500) - (<strong>10</strong>00) Nil 1 1 4 Nil(400) - (500) Nil Nil 1 2 3Loss (300) - (400) Nil 1 1 1 2(200) - (300) Nil Nil 4 2 3(<strong>10</strong>0) - (200) 4 5 2 2 20 - (<strong>10</strong>0) 8 6 3 5 50 - <strong>10</strong>0 2 2 4 4 4<strong>10</strong>0 - 200 Nil Nil Nil Nil NilProfit 200 - 300 Nil Nil Nil Nil 2300 - 500 Nil Nil Nil Nil Nil> 500 Nil Nil Nil Nil 1Total 14 15 17 21 22* Without considering the deficit in the policyholders’ account.Trends in the policyholders’ account which resulted in surplus/deficit to the insurers have been on similarlines to those in the shareholders’ account.Non-Life Insurance SectorDuring <strong>2009</strong>-<strong>10</strong>, out of the 13 private non-life companies, seven <strong>report</strong>ed profit after tax as compared to sixin 2008-09. Out of the seven companies which were able to generate profits in <strong>2009</strong>-<strong>10</strong>, six companieshave <strong>report</strong>ed profits continuously for the last four years. The trends are similar even in case of the fourPublic Sector Undertakings (PSUs). While three of the PSUs made sizeable profit after tax over the previousyear, the fourth PSU recovered considerably from the downfall experienced (losses <strong>report</strong>ed) in the year2008-09. Overall, non-life insurers have been able to recover considerably from the immediate turbulencefaced in the first full year of complete detariff regime. This is also reflected in the performance of the sectoras a whole which recorded a growth of 13.96 per cent in the premium income as against the growth of 9.11per cent in the previous year. In case of non-life sector also, there is deferment of expected break-evenpoint as compared with the projections made in the R1 applications filed with the Authority at the time ofregistration. However, the deferment was less pronounced compared to the life insurance sector. Themajor factors for deferment of break-even point were increased levels of expenses and huge underwritinglosses.22
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>The status of profits/losses after tax of the private sector non-life companies over the past five years is givenin the Table below:Number of private sector non-life companies according to profit range**Profit/(Loss) (` crore) 2005-06 2006-07 2007-08 2008-09 <strong>2009</strong>-<strong>10</strong>> (200) Nil Nil Nil Nil NilLoss (<strong>10</strong>0) - (200) Nil Nil 1 Nil <strong>10</strong> - (<strong>10</strong>0) 1 Nil 3 6 50 - <strong>10</strong>0 7 8 4 6 5Profit <strong>10</strong>0 - 200 Nil Nil 2 Nil 2> 200 Nil Nil Nil Nil NilTotal 8 8 <strong>10</strong> 12 13** Excluding health insurersNON-LIFE INSURANCEI.3.34 As on 31 st March, 20<strong>10</strong> there are 23 generalinsurance companies, which have been grantedregistration for carrying out non-life insurance businessin the country. Of these, six are in public sector andthe rest are in private sector. Among the public sectorcompanies, there are two specialised insurancecompanies: one for credit insurance (ECGC) and theother for crop insurance (AIC). Out of the 17 privatesector companies, two have been granted licenceduring <strong>2009</strong>-<strong>10</strong> (Annex I). The business growth figuresin the following paragraphs excludes specialised andthree standalone health insurance companies.PremiumI.3.35 The non-life insurance industry underwrote atotal premium of `34,620 crore in <strong>2009</strong>-<strong>10</strong> as against`30,352 crore in 2008-09 (Table 17) registering agrowth of 14.06 per cent as against an increase of9.09 per cent recorded in the previous year. The publicsector insurers exhibited an impressive growth in<strong>2009</strong>-<strong>10</strong> at 14.49 per cent; more than twice theprevious year’s growth rate of 7.12 per cent. Incontrast, the private non-life insurers registered agrowth of 13.44 per cent, which is only marginallyhigher than 12.09 per cent achieved during theprevious year. The figures reflect a comparativehardening of rates in the industry.TABLE 17GROSS DIRECT PREMIUM INCOME IN INDIA :NON-LIFE INSURERS(` crore)Insurer 2008-09 <strong>2009</strong>-<strong>10</strong>Public 18030.74 20643.45(7.12) (14.49)Private 12321.09 13977.00(12.09) (13.44)Total 30351.83 34620.45(9.09) (14.06)Note: Figure in brackets indicates growth over previous year(in per cent).I.3.36 The premium underwritten by 13 private sectorinsurers in <strong>2009</strong>-<strong>10</strong> was `13,977 crore as against`12,321 crore in 2008-09. ICICI Lombard continuedto be the largest private sector non-life insurancecompany, which accounted for a market share of 9.52per cent, although its market share declined from11.21 per cent in 2008-09. Bajaj Allianz, the secondlargest private sector non-life insurance company,which underwrote a total premium of `2,482 crore,also saw its market share depleting from 8.63 per centin 2008-09 to 7.17 per cent during the year underreview. Of the 13 private insurers, 11 <strong>report</strong>ed anincrease in premium underwritten (9 out of <strong>10</strong> in 2008-09). Two of the non-life insurers had started operationsin <strong>2009</strong>-<strong>10</strong>.I.3.37 In the case of public sector non-life insurers,all four companies expanded their business with anincrease in their respective premium collections. Whilethe market shares of Oriental Insurance and UnitedIndia increased in <strong>2009</strong>-<strong>10</strong> over 2008-09, the shares23
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>declined in case of National and New India. UnitedIndia underwrote a premium of `5,239 crore in<strong>2009</strong>-<strong>10</strong> as against `4,278 crore in the previous year,which helped to improve its market share to 15.13per cent in <strong>2009</strong>-<strong>10</strong> from 14.09 per cent in the previousyear. It <strong>report</strong>ed a growth of 22.47 per cent, which ishigher than the industry average for <strong>2009</strong>-<strong>10</strong>. NewIndia Assurance with an insurance premium of`6,043 crore remains the largest general insurancecompany in India with market share of 17.45 per cent.TABLE 18GROSS DIRECT PREMIUM INCOME IN INDIATOTALMarket Share(` In crore) (In per cent)Company <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09National 4625.18 4279.90 13.36 14.<strong>10</strong>New India 6042.51 5508.83 17.45 18.15Oriental 4736.71 3964.23 13.68 13.06United 5239.05 4277.77 15.13 14.09Sub-Total 20643.45 18030.73 59.63 59.40Royal Sundaram 913.11 803.36 2.64 2.65Reliance 1979.65 1914.88 5.72 6.31IFFCO-Tokio 1457.84 1374.06 4.21 4.53TATA AIG 853.80 823.92 2.47 2.71ICICI Lombard 3295.06 3402.04 9.52 11.21Bajaj Allianz 2482.33 2619.29 7.17 8.63Cholamandalam 784.85 685.44 2.27 2.26HDFC Ergo 915.40 339.21 2.64 1.12Future Generali 376.61 186.49 1.09 0.61Universal Sompo 189.28 30.14 0.55 0.<strong>10</strong>Shriram 416.93 113.76 1.20 0.37Bharti AXA 3<strong>10</strong>.82 28.50 0.90 0.09Raheja QBE 1.32 - 0.00 -Sub-Total 13977.00 12321.09 40.37 40.59Grand Total 34620.45 30351.82 <strong>10</strong>0.00 <strong>10</strong>0.00Note: ‘– ’ indicates not in operationSegment wise premiumI.3.38 The Motor business continued to be the largestnon-life insurance segment with a share of 43.46 per cent(43.94 per cent in 2008-09). It <strong>report</strong>ed growth rate of12.83 per cent (5.13 per cent in 2008-09). The premiumcollection in health segment continued to surge ahead at`7,311 crore in <strong>2009</strong>-<strong>10</strong> from `6,088 crore of 2008-09,registering a growth of 20.09 per cent. This resulted inan increase in the share of health segment to the totalpremium to 21.12 per cent in <strong>2009</strong>-<strong>10</strong> (20.06 per cent in2008-09). The growth in the health segment far out-pacedthe growth rate achieved by the non-life industry as awhole. The premium collection from Fire and Marinesegments continued to remain stagnant in <strong>2009</strong>-<strong>10</strong> ashas been the case since the de-tariffing of the sector in2007.TABLE 19PREMIUM (WITHIN INDIA) UNDERWRITTEN BYNON-LIFE INSURERS - SEGMENT WISE(` crore)Department 2008-09 <strong>2009</strong>-<strong>10</strong>Fire 3383 3869(11.14) (11.18)Marine 1956 2168(6.44) (6.26)Motor 13336 15047(43.94) (43.46)Health 6088 7311(20.06) (21.12)Others 5588 6225(18.41) (17.98)Total Premium 30352 34620(<strong>10</strong>0.00) (<strong>10</strong>0.00)Note : Figure in brackets indicate share of respective segmentin total premium (in per cent).24
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>Premium Underwritten Outside IndiaI.3.39 Only the public sector insurers (except UnitedIndia), are underwriting non-life insurance businessoutside India. United India ceased operations outsideIndia in 2003-04. The total premium underwritten outsidethe country by the three public sector insurers stood at`1,195 crore in <strong>2009</strong>-<strong>10</strong> as against `1,077 crore in2008-09 registering a growth of 11.04 per cent(9.70 per cent in the previous year). Premium underwrittenoutside India accounted for 3.34 per cent of total premiumunderwritten by the Indian non-life insurance companies.TABLE 20RATIO OF OUTSIDE INDIA PREMIUM TO TOTALPREMIUM(in per cent)Insurer 2008-09 <strong>2009</strong>-<strong>10</strong>National 0.37 0.45New India 14.67 14.88Oriental 2.79 2.43United* - -* Ceased operations in 2003-04.I.3.40 New India continued to be the largest public sectorgeneral insurer underwriting premium outside India, withthe premium underwritten outside India constituting 14.88per cent of the total premium underwritten by it in<strong>2009</strong>-<strong>10</strong>. In case of Oriental, the contribution of outsideIndia premium to the total premium worked out to be2.43 per cent in <strong>2009</strong>-<strong>10</strong>, marginally lower than2.79 per cent in 2008-09. National Insurance continuedto have a small component of overseas business at 0.45per cent in <strong>2009</strong>-<strong>10</strong>, marginally higher than 0.37 per centin 2008-09.TABLE 21GROSS DIRECT PREMIUM FROM BUSINESSOUTSIDE INDIA : NON-LIFE INSURERS(` crore)Insurer 2008-09 <strong>2009</strong>-<strong>10</strong>National 15.95 20.81(8.22) (30.49)New India 946.95 <strong>10</strong>56.63(8.22) (11.58)Oriental 113.64 117.97(23.43) (3.81)United* - -Total <strong>10</strong>76.54 1195.41(9.70) (11.04)Note : Figure in brackets indicate growth over the previousyear (in percent)* ceased operations in 2003-04I.3.41 Of the total premium of `1,195 crore written outsideIndia in <strong>2009</strong>-<strong>10</strong>, New India underwrote a higher premiumof `1,057 crore (2008-09: `947 crore), its market sharein the total outside India premium of public sectornon-life insurers increased to 88.39 per cent from 87.96per cent in 2008-09. National underwrote a premium of`20.81 crore (2008-09: `15.95 crore). The outside Indiapremium underwritten by Oriental Insurance stood at `118crore up from previous year’s `114 crore, recording agrowth 3.81 per cent.Policies IssuedI.3.42 The total number of policies issued by the non-lifeinsurers in <strong>2009</strong>-<strong>10</strong> were 675 lakh as against 671 lakh in2008-09, <strong>report</strong>ing a marginal increase of 0.64 per centover 2008-09. The growth in number of policies issuedwas much lower than the growth achieved in 2008-09,which was 17.13 per cent. The slowdown in the growthin the number of policies issued was primarily on accountof public sector insurance companies, which exhibited anegative growth in the number of policies issued vis-avisthe number of policies issued in the previous year. Incontrast, the private sector companies <strong>report</strong>ed a growthin the number of policies issued at 9.86 per cent althoughstill lower than the growth in number of policiesunderwritten in the previous year.TABLE 22NEW POLICIES ISSUED : NON-LIFE INSURERS(in lakhs)Insurer 2008-09 <strong>2009</strong>-<strong>10</strong>Public Sector 451.37 434.04(17.09) (-3.84)Private Sector 219.22 240.84(17.21) (9.86)Total 670.60 674.88(17.13) (0.64)Note: Figures in brackets indicate the growth (in per cent) overprevious year.Paid-up CapitalI.3.43 The total paid-up capital of non-life insurers as on31 st March, <strong>2009</strong> was `4,829 crore. During <strong>2009</strong>-<strong>10</strong>, thenon-life insurers added `855 crore (all in the privatesector) to their equity capital base. With this, the totalpaid-up capital of Non-life Insurers has gone upto`5684 crore as at the end of March 20<strong>10</strong>. The paid-upcapital of the public sector companies remainedunchanged at `550 crore in <strong>2009</strong>-<strong>10</strong>.25
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>TABLE 23PAID UP CAPITAL : NON-LIFE INSURERS*AND REINSURER (As on 31st March)(`crore)<strong>2009</strong> 20<strong>10</strong>Non -LifePublic Sector 550 550Private Sector 2533 3160Specialised InsurersECGC 900 900AIC 200 200Health InsurersStar Health <strong>10</strong>9 164Apollo Munich <strong>10</strong>7 129Max Bupa** — 151ReinsurerGIC 430 430Total 4829 5684Note: * Including specialised Institutions** Commenced operations in <strong>2009</strong>-<strong>10</strong>Underwriting ExperienceI.3.44 The underwriting losses of the non-life insurancecompanies increased to `5,901 crore in <strong>2009</strong>-<strong>10</strong>, up from`5,324 crore in the previous year. However, thereappeared to be a slowdown in the growth of underwritinglosses at <strong>10</strong>.78 per cent (2008-09: 36.52 per cent). Theslowdown was observed both in the case of public andprivate sector non-life insurers.TABLE 24UNDERWRITING LOSSES : NON-LIFE INSURERS(` crore)2008-09 <strong>2009</strong>-<strong>10</strong>Public Sector 4226.90 4541.18(28.06) (7.43)Private Sector <strong>10</strong>96.87 1359.51(83.14) (23.94)Total 5323.77 5900.69(36.52) (<strong>10</strong>.78)Note: Figure in brackets indicates growth over the previousyear in per cent.Expenses of Non-Life InsurersI.3.45 The commission expenses of public and privatenon-life insurers stood at `1,826 crore and `677 crorerespectively for <strong>2009</strong>-<strong>10</strong>, cumulatively amounting to atotal commission expense of `2,503 crore for the nonlifeindustry. The commission expenses continued to bethe highest in the Motor segment, which stood at `808crore, comprising of `519 crore for the public sector and`289 crore for the private sector companies.TABLE 25COMMISSION EXPENSES : NON-LIFE INSURERS(` crore)Private Sector Public Sector TotalSegment 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong>Fire 59.79 60.79 204.81 239.86 264.60 300.65Marine 42.28 40.51 120.66 123.26 162.94 163.77Motor 259.69 289.48 528.41 519.09 788.<strong>10</strong> 808.57Health 170.79 129.76 418.7 486.17 589.49 615.93Others 150.24 156.36 398.28 457.43 548.52 613.79Total 682.79 676.9 1670.86 1825.81 2353.65 2502.7126
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>I.3.46 Commission expenses and operating expensesconstitute a major part of the total expenses. Theoperating expenses of non-life insurance companiesstood at `8,392 crore in <strong>2009</strong>-<strong>10</strong> as against `7,364crore in 2008-09, registering a growth of 13.95 percent. This growth in the operating expenses was quitehigh for public sector insurers (21.05 per cent) ascompared to private sector insurers (3.72 per cent).TABLE 26OPERATING EXPENSES : NON-LIFE INSURERS(` crore)Insurer 2008-09 <strong>2009</strong>-<strong>10</strong>Public Sector 4347.21 5262.59Private Sector 3017.22 3129.61Total 7364.43 8392.20Note : Public sector does not include ECGC, AIC and GICI.3.47 As per section 40C of the Insurance Act, 1938no insurer can spend as expenses of management inany year an amount in excess of the limits prescribedunder Rule 17E of the Insurance Rules, 1939. Rule17E takes into consideration the size and age of theinsurer while stipulating the limits of these expenses.The Authority based on the recommendation of theGeneral Insurance Council constituted under Section64F may enhance the limits in any year.I.3.48 The Authority has granted exemption on thelimits under Rule 17E to 15 private insurers in the firstfive years of commencement of their businessoperations.I.3.49 Out of the 22 non-life insurance companies(including the four public sector undertakings and thetwo specialised institutions) in the year <strong>2009</strong>-<strong>10</strong>, eightcompanies are in the exemption period. Of thebalance, four are compliant with the limits under Rule17E.Incurred Claims RatioI.3.50 The net incurred claims of the non-life insurersstood at `22,230 crore in <strong>2009</strong>-<strong>10</strong> as against `19,717crore in 2008-09. The incurred claims exhibited anincrease of 12.74 per cent during <strong>2009</strong>-<strong>10</strong>. While thepublic sector insurers <strong>report</strong>ed lower growth at 9.75per cent in the incurred claims, the same was high forprivate insurers at 19.47 per cent. However, overallthe growth in incurred claims during <strong>2009</strong>-<strong>10</strong> at 12.74per cent was lower than the 20.44 per cent recordedduring the previous year.TABLE 27NET INCURRED CLAIMS : NON-LIFE INSURERS(` crore)Insurer 2008-09 <strong>2009</strong>-<strong>10</strong>Public Sector 13637.79 14967.23(12.48) (9.75)Private Sector 6079.16 7262.49(43.16) (19.47)Total 19716.95 22229.72(20.44) (12.74)Note: Figures in brackets indicate the growth rate (in per cent)of the respective sectorI.3.51 The incurred claims ratio (net incurred claimsto net premium) of the non-life insurance industryremained at around 86 per cent during <strong>2009</strong>-<strong>10</strong> as inthe previous year. Between private and public sectorinsurers, it is the public sector insurers, which have acomparatively higher incurred claims ratio at88.27 per cent (91.30 in 2008-09). The same forprivate sector insurers was 80.30 per cent (76.89 in2008-09).I.3.52 Among the various segments, health insurancehad a high claims ratio at 111.13 per cent. Incomparison to the previous year, the incurred claimsratio in the health segment exhibited an increase from<strong>10</strong>5.95 per cent. The other segment which <strong>report</strong>ed ahigh claims ratio was motor insurance at 84.51 percent, although this was lower than the claims ratio in2008-09 at 88.84 per cent. There was a substantialreduction in the incurred claims ratio in the marinesegment from <strong>10</strong>2.90 per cent in 2008-09 to 78.08per cent in <strong>2009</strong>-<strong>10</strong>.27
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>TABLE 28INCURRED CLAIMS RATIO (SEGMENT WISE)(In per cent)Public Sector Private Sector TotalSegment 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong>Fire 75.86 81.<strong>10</strong> 75.16 72.79 75.72 79.91Marine <strong>10</strong>1.05 75.50 <strong>10</strong>9.20 86.40 <strong>10</strong>2.90 78.08Motor 98.90 87.84 75.67 80.42 88.84 84.51Health 116.60 119.85 85.33 92.22 <strong>10</strong>5.95 111.13Others 52.69 56.59 59.26 56.81 54.15 56.64Total 91.30 88.27 76.89 80.30 86.30 85.50Investment IncomeI.3.53 The investment income of all non-life insurersduring <strong>2009</strong>-<strong>10</strong> was `7,688 crore (`5,891 crore in2008-09) registering a growth of 30.50 per cent.During the year under review, the investment incomeof both private and public sector insurers reflected anupward movement at 22.86 per cent and 32.24 percent respectively. This is in contrast to 2008-09 whenthe public sector insurers had <strong>report</strong>ed a reduction ininvestment income by 23.<strong>10</strong> per cent.TABLE 29INVESTMENT INCOME : NON-LIFE INSURERS(` crore)Insurer 2008-09 <strong>2009</strong>-<strong>10</strong>Public sector 4799.78 6347.27(-23.<strong>10</strong>) (32.24)Private sector <strong>10</strong>91.20 1340.67(47.05) (22.86)Total 5890.98 7687.94(-15.65) (30.50)Note: Figure in brackets indicates the growth rate (in per cent)of the respective Sector.Net ProfitsI.3.54 During <strong>2009</strong>-<strong>10</strong>, the total net profits of non-lifeinsurance sector was `1,205 crore. The four publicsector companies <strong>report</strong>ed net profit of `1,293 crore,as against which the private sector companiescollectively <strong>report</strong>ed a net loss of `88.56 crore.I.3.55 Among the public sector companies, exceptOriental Insurance, all other companies <strong>report</strong>ed netprofits during <strong>2009</strong>-<strong>10</strong>. United India made a net profitof `708 crore during <strong>2009</strong>-<strong>10</strong> (`476 crore in2008-09), the largest among the public sectorcompanies. The other public sector companies which<strong>report</strong>ed net profits were New India and National at`405 crore and `225 crore, respectively. OrientalInsurance incurred a net loss of `44.25 crore.(Statement No. 52)I.3.56 Among the thirteen private insurancecompanies, while seven <strong>report</strong>ed profits, the remainingsix incurred net losses during <strong>2009</strong>-<strong>10</strong>. ICICI Lombard<strong>report</strong>ed net profit of `144 crore (`23.62 crore in2008-09). The net profits of Bajaj Allianz was`121 crore in <strong>2009</strong>-<strong>10</strong> (as against `95.16 crore in2008-09). The six insurers which <strong>report</strong>ed net losseswere Reliance, HDFC Ergo, Future Generali, UniversalSompo, Bharti AXA and Rehaja QBE.(Statement No. 55).TABLE 30Net Profits/Losses : Non-Life insurers(` crore)Insurer 2008-09 <strong>2009</strong>-<strong>10</strong>Public Sector 498.33 1293.07Private Sector -<strong>10</strong>1.26 -88.56Total 397.07 1204.51Returns to the ShareholdersI.3.57 Of the four public sector non-life insurancecompanies, three paid `271 crore as dividends in<strong>2009</strong>-<strong>10</strong>, significantly higher than `141 crore in2008-09, to the ex-chequer. The total payout ofdividends by the private sector insurers was `71.93crore during <strong>2009</strong>-<strong>10</strong> (none of the private sectorcompanies had declared dividends during 2008-09).28
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>While AIC did not declare any dividends during<strong>2009</strong>-<strong>10</strong> (`20 crore in 2008-09), ECGC paid`<strong>10</strong>.75 crore as dividends, which is substantially lowerthan `180 crore declared during the previous year.The dividend paid by GIC increased from `279 crorein 2008-09 to `353 crore in <strong>2009</strong>-<strong>10</strong>.TABLE 31DIVIDENDS PAID : NON-LIFE INSURERS(` crore)Insurer 2008-09 <strong>2009</strong>-<strong>10</strong>Non –LifePublic sector 141.00 270.98Private Sector 0 71.93Specialised InsurersECGC 180.00 <strong>10</strong>.75AIC 20.00 0ReinsurerGIC 279.50 352.60Total 620.50 706.26Number of officesI.3.58 As on 31 st March, 20<strong>10</strong>, there were 6,342 officesin the non-life insurance companies (includingstandalone health insurers, but excluding specialisedinsurers) operating all over the country. While privatesector companies had a branch network of 1,646, thepublic sector companies had 4,696 office network inplace. (Statement No. 69)SPECIALISED INSTITUTIONS:Export Credit Guarantee Corporation of India Ltd.I.3.59 Export Credit Guarantee Corporation of IndiaLtd., (ECGC) is a specialised insurer underwritingbusiness in export credit insurance. The companyunderwrote gross direct premium of `813 crore in<strong>2009</strong>-<strong>10</strong>, <strong>report</strong>ing a growth of 9.17 per cent as against`745 crore in 2008-09. On net basis, the insurerearned net premiums to the tune of `576 crore asagainst `525 crore in the previous year. The insurer<strong>report</strong>ed underwriting loss of `99.34 crore in <strong>2009</strong>-<strong>10</strong>(profit of `258 crore in 2008-09).The net profit of thecompany declined to `53.73 crore from `283 crore inthe previous year. The insurer’s incurred claims ratiofor the year <strong>2009</strong>-<strong>10</strong> was 117.22 (67.63 in 2008-09).I.3.60 The Corporation had 13,429 short-term exportcredit insurance policies in force in <strong>2009</strong>-<strong>10</strong> (13,350in 2008-09), including transfer guarantees. Premiumincome earned on short-term policies during the yearwas `289 crore (`247 crore in 2008-09) <strong>report</strong>ing agrowth of 17.37 per cent as against nominal growthof just 0.65 per cent in rupee terms corresponding toa negative growth of 4.7 per cent in dollar terms incountry’s exports during the year <strong>2009</strong>-<strong>10</strong>. Domesticcredit insurance for exporters was introduced duringFebruary, <strong>2009</strong> after obtaining the approval from theAuthority. The company had promoted the producton a very low key in view of the general economicslowdown that was being witnessed during the period.The premium income from the medium and long termbusiness during <strong>2009</strong>-<strong>10</strong> was `36.90 crore as against`33.78 crore in 2008-09 <strong>report</strong>ing a growth of 9.24per cent.I.3.61 Consequent upon the company coming underthe regulatory regime of the Authority a consciouseffort is being made to gradually shift from bankdeposits to investment opportunities in conformity withthe relevant regulatory provisions. The growth ininvestments for the year <strong>2009</strong>-<strong>10</strong> was 9 per cent andthe total assets of the company expanded by 2 percent in <strong>2009</strong>-<strong>10</strong> from `1,917 crore to `1,959 crore.Agriculture Insurance Company of India Ltd.I.3.62 Agriculture Insurance Company of India Ltd.(AIC) is a specialised insurer underwriting businessin agriculture insurance. The company underwrotegross direct premium of `1,521 crore in <strong>2009</strong>-<strong>10</strong>,<strong>report</strong>ing growth of 82.46 per cent as against`833 crore in 2008-09. On net basis, the insurerearned net premiums to the tune of `1,024 crore asagainst `743 crore in the previous year. The insurer<strong>report</strong>ed underwriting profit of `31.87 crore (profit of`309 crore in 2008-09). The net profit of the companydeclined to `64.51 crore from `233 crore in theprevious year. The insurer’s incurred claims ratio forthe year <strong>2009</strong>-<strong>10</strong> was <strong>10</strong>9.78 (71.32 in 2008-09).HEALTH INSURANCE COMPANIESI.3.63 <strong>IRDA</strong> has so far granted licence to threeinsurance companies to operate exclusively in thehealth insurance segment. The performance of thesecompanies is given below.29
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>Star Health and Allied InsuranceI.3.64 Star Health, was the first company grantedregistration to underwrite business exclusively inhealth, personal accident and travel insurancesegments in 2006-07. In its fourth year of operations,the insurer underwrote gross direct premium of`962 crore in <strong>2009</strong>-<strong>10</strong>, <strong>report</strong>ing growth of 88.61 percent as against `5<strong>10</strong> crore in 2008-09. On net basis,the insurer earned net premium to the tune of `6<strong>10</strong>crore as against `301 crore in the previous year. Theinsurer <strong>report</strong>ed underwriting loss of `1.74 crore (lossof `7.44 crore in 2008-09).The net profit of thecompany increased to `5.26 crore from `1.24 crorein the previous year. The insurer’s incurred claims ratiofor the year <strong>2009</strong>-<strong>10</strong> was 87.11 (85.74 in 2008-09).Apollo Munich Health InsuranceI.3.65 Apollo Munich is the second company to receiveregistration to underwrite insurance businessexclusively in the health, personal accident and travelinsurance segments. In its third year of operations,the company underwrote gross direct premium of`115 crore in <strong>2009</strong>-<strong>10</strong> as against `48.14 crore in2008-09, i.e., growth of 138.18 per cent. The netpremium underwritten by the company stood at`69.96 crore in <strong>2009</strong>-<strong>10</strong> as against `21.64 crore in2008-09. The insurer <strong>report</strong>ed underwriting losses of`98.65 crore (`79.06 crore in 2008-09), and incurrednet loss of `89.70 crore in <strong>2009</strong>-<strong>10</strong> (`72.18 crore in2008-09). Its incurred claims ratio was 85.39 per centin <strong>2009</strong>-<strong>10</strong> (114.27 per cent in 2008-09)Max Bupa Health InsuranceI.3.66 Max Bupa is a new entrant in the healthsegment and was issued certificate of registration inthe year <strong>2009</strong>-<strong>10</strong>. The company started operations inthe month of March, 20<strong>10</strong> and procured gross directpremium of `0.13 crore. The net premium of the insurerwas `0.12 crore in <strong>2009</strong>-<strong>10</strong>.General Insurance Corporation of IndiaI.3.67 GIC is the sole national reinsurer, providingreinsurance to the direct non-life insurance companiesin India. The Corporation’s reinsurance programmehas been designed to meet the objectives of optimisingthe retention within the country, ensuring adequatecoverage for exposure and developing adequatecapacities within the domestic market. It is also themanager of the Third Party Motor Pool. GIC receivesstatutory cession on each and every policy issued bydomestic insurers subject to certain limits and leadsdomestic companies’ treaty and facultativeprogrammes.I.3.68 The total net premium written by GIC during<strong>2009</strong>-<strong>10</strong> increased by 18.57 per cent to `8,777 crorefrom `7,402 crore in 2008-09. However, its net earnedpremium (the net premium after adjustments forReserve for Unexpired Risks) during <strong>2009</strong>-<strong>10</strong>increased marginally (3.46 per cent) to `8,076 crorefrom `7,806 crore in 2008-09. The net incurred claimsof GIC stood at `6,856 crore as against `6,217 crorein 2008-09. The company booked net profit (after tax)of `1,775 crore as against `1,407 crore, resulting ingrowth of 26.11 per cent over the previous year.4. REVIEW4.1 PROTECTION OF INTERESTS OFPOLICYHOLDERSI.4.1.1 One of the recent initiatives of <strong>IRDA</strong>, to ensurethat clear information regarding products is given tothe prospect/policyholder in a way he/she canunderstand, is the proposal to introduce Key FeaturesDocument in simple language. The test of a KeyFeatures Document is whether or not the targetcustomer for a particular product understands its mainfeatures and is able to take a decision as to whetherthe product is suitable for him/her. A Key FeaturesDocument would also ensure disclosure by insurersof other important information such as premiumdetails, payment modes, various charges, risksinvolved, what happens in the event of discontinuance,etc.I.4.1.2 Needs Analysis or Suitability is another initiativeidentified by <strong>IRDA</strong> as a step in curbing wrong adviceand mis-selling. An exposure draft on the subjecthas been issued and feedback from variousstakeholders has been received. The Authority iscurrently working on putting in place a system toensure that proposals go through a Prospect ProductMatrix before the sale is actually affected. This is toensure that mis-selling does not take place.I.4.1.3 The Guidelines addressing issues related toDistance Marketing are proposed to focus on newchallenges of mis-selling that have cropped up withthe advancement of technology. While the benefits ofhaving new and faster channels need to be reaped,the loopholes created by them too need plugging.I.4.1.4 Lapsation of policies is a major concern forthe <strong>IRDA</strong>. The Authority has issued an exposure draftproposing initiatives to ensure improvements in thelevel of persistency. Feedback has been received fromvarious stakeholders and the same are underexamination.30
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>ULIP – NEW GUIDELINESBOX ITEM 2In January, 2008 the <strong>IRDA</strong> mandated all the life insurance companies to provide a detailed account ofthe premium received, charges levied and money available for investment. This information is requiredto be provided to the policyholder with respect to unit linked insurance products (ULIP) for each yearof the contract period. As part of the detailed guidelines issued, the customer is also required tocounter sign a copy of the Sales Illustration so that the authenticated document becomes a part ofPolicy document issued to the customer/policyholder. Secondly at the product approval stage, the<strong>IRDA</strong> has abstained from giving approval to products which are very difficult to comprehend for theprospective policyholders. However, the desired result from the perspective of policyholder protection,has not been achieved.As a part of the developmental activities, the <strong>IRDA</strong> has positioned various measures (i) to enhancethe life coverage and (ii) to make the product truly long term in nature. Accordingly, the <strong>IRDA</strong> issuedCircular no. <strong>10</strong>2 on 28 th June, 20<strong>10</strong> regarding various components of the ULIPs. This was followed byanother clarificatory circular no. 124 dated 4 th August, 20<strong>10</strong> clarifying few specific issues. The significantfeatures of the structural changes arrived at by the <strong>IRDA</strong> through these initiatives are indicated below:a. The three year lock-in period for all Unit Linked Products has been increased to a period of fiveyears, including its applicability to top-up premiums. During this stipulated lock-in period noresiduary payments on policies which have lapsed / surrendered / discontinued is permitted to bemade. The residuary payments for policies arising out of policies which stand lapsed/surrendered/discontinued during the lock-in period shall be payable on the expiry of the lock-in period and inaccordance with the relevant Regulations of the <strong>IRDA</strong>.b. No partial withdrawal is allowed during the lock-in period. However, policy loans may be grantedduring the lock-in period.c. All regular premium / limited premium ULIPs shall have uniform / level paying premiums. Anyadditional premium payments shall be treated as “single premium” for the purpose of insurancecover.d. All limited premium unit linked insurance products, other than single premium products, shallhave premium paying term of at least five years.e. The insurers shall evenly distribute the overall charges with respect to the ULIPs over the lock-inperiod.f. All unit linked products, other than pension and annuity products shall provide a minimum mortalitycover or a health cover. Mortality and/or health cover can also be offered along with the pension/annuity products as riders, giving enough flexibility for the policyholders to select covers of theirchoice.g. All top-up premiums made during the continuance of the contract, except for pension/annuityproducts, must also have a component of insurance cover; such top-up premiums shall betreated as single premium.h. The accumulated fund value of unit linked pension / annuity products is the “Fund Value” as onthe maturity date. All ULIP pension / annuity products shall offer a minimum guaranteed return of4.5 per cent per annum or as specified by <strong>IRDA</strong> from time to time, on the maturity date. Thisguaranteed return is applicable on the maturity date, for policies where all due premiums arepaid. The minimum guaranteed rate of 4.5 per cent per annum is applicable to all contributions/premiums received upto March 31, 2011. From 1 st April of every year starting from 2011, theguaranteed interest rate shall be 50 basis points above the average of the reverse repo rate31
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>prevailing as on the last working day of June, September, December and March of the precedingyear. Thus, the guaranteed interest rate has been stipulated to be subject to a maximum of 6 percent per annum and a minimum of 3 per cent per annum.i. In the case of unit linked pension / annuity products, no partial withdrawal is allowed during theaccumulation phase. The insurance company is required to convert the accumulated fund valueinto an annuity at the vesting date. However, the insured has an option to commute upto amaximum of one-third of the accumulated value as lump sum at the time of vesting. In the caseof a surrender, only a maximum of one-third of the surrender value can be commuted after thelock-in period. The remaining amount must be used to purchase an annuity, subject to theprovisions of Section 4 of the Insurance Act, 1938.j. The <strong>IRDA</strong> has prescribed a cap on charges in case of Unit Linked contracts (i) with a tenor of <strong>10</strong>years or less; and (ii) for those with tenure of above <strong>10</strong> years. However, taking into account thediscontinuance/lapsation/surrender behaviour and with a view to smoothening the cap on charges,the following limits have been prescribed which are applicable from the 5 th policy anniversary:Number of yearsMaximum reduction in yieldelapsed since inception (Difference between Gross and Net Yield (% per annum))5 4.006 3.757 3.508 3.309 3.15<strong>10</strong> 3.0011 and 12 2.7513 and 14 2.5015 and thereafter 2.25k. As per the stipulations, the net reduction in yield for policies with term less than or equal to <strong>10</strong>years shall not be more than 3.00 per cent at maturity. For policies with term above <strong>10</strong> years, thenet reduction in yield at maturity shall not be more than 2.25 per cent.l. The maximum loan amount that can be sanctioned under any ULIP policy shall not exceed 40per cent of the surrender value in those policies where equity accounts for more than 60 per centof the total value of investment and shall not exceed 50 per cent of the surrender value of thosepolicies where debt instruments accounts for more than 60 per cent of the total value of investment.Consumer Education:I.4.1.5 Consumer education and policyholderprotection being two sides of the same coin, theRegulator has an onerous responsibility towardsconsumer education as it has for policyholderprotection. In fact, Consumer Education is a part andparcel of Policyholder Protection. Towards this end,<strong>IRDA</strong> has, over the years taken several initiativesthrough various media print, television and radio.I.4.1.6 <strong>IRDA</strong> also encourages and supports consumerbodies to conduct seminars on insurance, therebynot only educating the consumer but also providing aplatform for the consumer to interact with itsrepresentative(s) who, it makes sure, participate insuch seminars.I.4.1.7 The <strong>IRDA</strong> itself conducts/participates in andsupports several national level seminars on differentinsurance topics/subjects as well as consumer relatedissues through which it reaches out to the public.Currently, <strong>IRDA</strong> is actively working on a ConsumerPortal that is proposed to be launched shortly.32
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>INITIATIVES IN THE AREA OF POLICYHOLDERS GRIEVANCE REDRESSALBOX ITEM 3The <strong>IRDA</strong> has recently established the Consumer Affairs Department to give a special focus to andoversee the compliance by insurers of the <strong>IRDA</strong> Regulations for Protection of Policyholders’ Interestsand also to empower consumers by educating them regarding details of the procedures andmechanisms that are available for grievance redressal. Policyholders must be provided with inexpensiveand speedy mechanisms for complaints disposal and the <strong>IRDA</strong> (Protection of Policyholders Interests)Regulations, 2002 require insurance companies to have in place, effective and speedy grievanceredress mechanisms. <strong>IRDA</strong> has also issued Guidelines for Grievance Redressal, which lay downspecific timeframes and turnaround times (TATs) for response, resolution, etc., which will furtherstrengthen the redressal systems insurers already have in place.The effectiveness of the mechanisms needs to be monitored by the Regulator. To enable this as wellas to create a central repository of industry-wide insurance grievance data, <strong>IRDA</strong> is on the verge ofimplementing the Integrated Grievance Management System (IGMS). IGMS will create a gatewayfor policyholders to register complaints with insurance companies first and if need be to escalate themto the <strong>IRDA</strong> Grievance Cell. IGMS is a comprehensive solution which not only has the ability to providea centralised and online access to the policyholder but complete access and control to <strong>IRDA</strong> formonitoring market conduct issues of which policyholder grievances are the main indicators. IGMSwill have the ability to classify different complaint types based on pre-defined rules. The system will beable to assign, store and track unique complaint IDs and also enable intimation to various stakeholdersas required, within the workflow. The system will enable defining of Target Turnaround Times (TATs)and measure the actual TATs on all complaints. The system will set up alerts for pending tasksnearing the laid down Turnaround Time. Thus, the system will automatically trigger activities at theappropriate time through rule based workflows.A complaint registered through IGMS will flow simultaneously to the insurer’s system as well as the<strong>IRDA</strong> repository. Updation of status by the insurers would automatically be mirrored in the <strong>IRDA</strong>system. IGMS will be able to generate <strong>report</strong>s on all criteria like ageing, status, nature of complaintand any other parameter that is defined. Thus, the IGMS will provide a standard platform to all insurersto resolve policyholder grievances and to provide <strong>IRDA</strong> with a tool to monitor the effectiveness of thegrievance redressal system of insurers.<strong>IRDA</strong> has recently introduced the <strong>IRDA</strong> Grievance Call Centre (IGCC) that provides for a toll freenumber 155255. IGCC provides an additional channel for policyholders to lodge their grievances andalso seek their status over phone/e-mail. The Call Centre environment will interface with IGMS, oncethe IGMS is implemented. The IGCC has enabled policyholders easy access to the grievance redressalcell of <strong>IRDA</strong> both through telephone and e-mail, apart from providing details of the redressal systemsof insurance companies whenever policyholders require them. The Call Centre carries out filling ofgrievance registration forms on the basis of the call. The IGCC also provides a channel for tracking ofgrievances. Further, the IGCC also educates policyholders about the Insurance Ombudsman whoprovides a channel for fair disposal of complaints falling within the laid down jurisdiction.With a view to going beyond facilitation of complaints resolution, <strong>IRDA</strong> has begun to drill down intodetails of complaints to identify instances of violation/non-compliance of various provisions of theapplicable Regulations through enquiries and inspections. Where required, regulatory action is initiated.Further, the institution of Insurance Ombudsman is also being reviewed for possible changes andexpansion of jurisdiction, to ensure that grievances that are not resolved by insurers and get escalatedto the Regulator and/or Ombudsman are decided conclusively, except where they would fall necessarilywithin the ambit of the courts.33
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>4.2 MAINTENANCE OF SOLVENCY MARGIN OFINSURERSI.4.2.1 Every insurer is required to maintain a RequiredSolvency Margin as per Section 64VA of the InsuranceAct, 1938. Every insurer shall maintain an excess ofthe value of assets over the amount of liabilities of notless than an amount prescribed by the <strong>IRDA</strong>, which isreferred to as a Required Solvency Margin. The <strong>IRDA</strong>(Assets, Liabilities and Solvency Margin of Insurers)Regulations, 2000 describe in detail the method ofcomputation of the Required Solvency Margin.I.4.2.2 In the case of life insurers, the RequiredSolvency Margin is the higher of an amount of fiftycrore of rupees (one hundred crore of rupees in thecase of reinsurer) or a sum which is based on a formulagiven in the Act and the Regulations framed thereunder.I.4.2.3 In the case of non-life insurers, the RequiredSolvency Margin shall be the maximum of the followingamounts:1. Fifty crore of rupees (one hundred crore of rupeesin the case of reinsurer); or2. A sum equivalent to twenty per cent of net premiumincome; or3. A sum equivalent to thirty per cent of net incurredclaims, subject to credit for reinsurance in computingnet premiums and net incurred claims being actualbut a percentage, determined by the regulations, notexceeding fifty per cent.I.4.2.4 <strong>IRDA</strong> has set a working Solvency Margin Ratio(Ratio of Actual Solvency Margin to the RequiredSolvency Margin) of 1.5 for all insurers which isrequired to be maintained at all times. During2007-08, <strong>IRDA</strong> had introduced quarterly <strong>report</strong>ing ofthe solvency status for all the insurers. Accordingly,all the insurers are now filing their solvency status ason June 30, September 30, December 31 andMarch 31.I.4.2.5 One of the important factors that influencesinsurance penetration is the capital requirement underthe solvency margin. The pure term products providesimple life cover and it is believed that companiescould design products, which could reach varioussegments of the population in meeting their insuranceneeds, thereby enhancing insurance penetration. Inline with this objective, the Authority had decided toallow the life insurers to reduce the capital requirementin the case of pure term products without changingthe factor loadings in the case of the remainingproducts. Suitable instructions modifying theserequirements were issued by <strong>IRDA</strong> in 2008-09. It isexpected that the lower level of solvency for pure termproducts would provide significant relief to the lifeinsurers both under individual products and undergroup products. This will also help the insurers inlaunching more pure term products for sufficientlylonger periods and at affordable rates.Life InsurersI.4.2.6 At the end of March 20<strong>10</strong>, all the twenty-threelife insurers complied with the stipulated requirementof solvency ratio of 1.5. Life Insurance Corporation ofIndia <strong>report</strong>ed a solvency ratio of 1.54, the same asat the end of March <strong>2009</strong>. Though solvency ratio of14 out of 22 private life insurers declined during theyear under review, all life insurance companies arecompliant with the mandated solvency requirements(Statement No.18).Non-life insurersI.4.2.7 Among the 21 non-life insurers who were inoperations during <strong>2009</strong>-<strong>10</strong>, 19 insurers complied withthe stipulated solvency ratio as on 31 st March, 20<strong>10</strong>.Two insurers, namely, Royal Sundaram and HDFCErgo, did not meet the required solvency margin.Among the non-life insurers, three compainescommenced operations during the year <strong>2009</strong>-<strong>10</strong>. Outof the remaining 16 insurers who were in operationsduring 2008-09 also, 8 insurers <strong>report</strong>ed improvedratio than those maintained in the previous year andthe ratio of the 8 insurers had declined, from theirprevious year levels. (Statement No. 50).I.4.2.8 The specialised insurers, i.e., AIC and ECGC<strong>report</strong>ed solvency ratio at 2.07 and 14.17 respectivelyas against 4.58 and 16.42 as on 31 st March, <strong>2009</strong>.ReinsurerI.4.2.9 The national insurer, General InsuranceCorporation of India, <strong>report</strong>ed a solvency ratio of 3.71as on 31 st March, 20<strong>10</strong> (3.67 on 31 st March, <strong>2009</strong>).34
4.3 Monitoring of ReinsuranceI.4.3.1 The mandate to the Authority in respect ofreinsurance lies in the provisions of Section 14(1) and14(2) Sub Section (f) of the <strong>IRDA</strong> Act, 1999 as well asSections 34F, <strong>10</strong>1A, <strong>10</strong>1B and <strong>10</strong>1C of the InsuranceAct, 1938. In addition, the Authority has framedregulations pertaining to reinsurance by non-lifeinsurers which lay down the ground rules for placingANNUAL REPORT <strong>2009</strong>-<strong>10</strong>35reinsurance with the reinsurers. Under the provisionsof the Insurance Act, 1938, the General InsuranceCorporation of India has been designated as the“Indian Reinsurer” which entitles it to receive obligatorycessions of <strong>10</strong> per cent from all the direct non-lifeinsurers. The limits have been laid down inconsultation with the Reinsurance AdvisoryCommittee.TABLE 32NET RETAINED PREMIUM ON INDIAN BUSINESS AS PER CENT OF GROSSDIRECT PREMIUM (EXCLUDING GIC)(in per cent)Class <strong>2009</strong> –<strong>10</strong> 2008 – 09Public Private Public PrivateSector Sector Total Sector Sector TotalFire 70.35 30.81 56.84 71.80 32.64 57.48Marine Cargo 82.73 48.38 69.69 79.21 48.09 66.98Marine Others 12.93 9.00 12.18 14.87 5.62 12.45Motor 93.35 86.04 89.82 86.49 89.27 87.73Engineering 58.67 22.24 45.25 60.52 23.41 45.51Aviation 11.95 18.87 14.60 7.04 16.68 9.44Other Miscellaneous 88.16 72.08 79.97 90.07 74.44 82.61TOTAL 82.75 71.39 77.49 80.84 72.32 77.13I.4.3.2 Every insurer needs a comprehensive andefficient reinsurance programme in order to be ableto operate within the constraints of its financialstrength. This is important to maintain the solvencyof the insurer and to ensure that the clauses arehonoured. The Authority has stipulated that everyinsurer shall obtain the approval of its Board for itsreinsurance programme. The regulatory frameworkalso provides for filing of the reinsurance programmefor the next financial year with the Authority at least45 days before the commencement of the said year.The insurers are further required to file the treaty slipsor cover notes relating to the reinsurancearrangements with the Authority within 30 days of thecommencement of the financial year. These measureshighlight the importance attached to the existence ofadequate and efficient reinsurance arrangements foran insurance company. It would be recalled that thesolvency position of an insurance company isassessed on a “net of reinsurance” basis.TABLE 33REINSURANCE PLACED WITHIN INDIA AND OUTSIDE INDIA AS PER CENT OFGROSS DIRECT PREMIUM IN INDIA(in per cent)Class <strong>2009</strong> – <strong>10</strong> 2008 – 09Placed Placed Placed Placedin India outside India in India outside IndiaFire 32.43 21.19 27.99 20.47Marine - Cargo 18.16 15.09 18.49 15.04Marine - Others 43.26 52.63 34.60 57.58Motor 28.78 0.11 28.07 0.27Aviation 42.17 53.17 43.73 50.70Engineering 43.33 23.06 44.38 18.77Miscellaneous – Others 15.26 6.00 13.42 5.07TOTAL 24.63 7.78 23.44 7.59
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>I.4.3.3 The Regulations also require that every insurershould maintain the maximum possible retentioncommensurate with its financial strength and volumeof business. The guiding principles in drawing up thereinsurance programme have been stated as under:1. Maximise retention within the country;2. Develop adequate capacity;3. Secure the best possible protection for thereinsurance costs incurred; and4. Simplify the administration of business.I.4.3.4 With particular reference to the GeneralInsurance Corporation, the Regulations require theIndian reinsurer to organise domestic pools forreinsurance surpluses in consultation with all insurers.It would be recalled that the non-life insurers had cometogether to form a Pool for Terrorism risks when theinternational reinsurance markets withdrew cover afterthe September 11 terrorist strikes in New York city inthe year 2001. In 2007, the non-life insurers formedanother Pool for all commercial vehicles third partyinsurance.TABLE 34REINSURANCE CEDED OUTSIDE INDIA ON INDIAN BUSINESS(` crore)Class 2008 – 09 <strong>2009</strong> – <strong>10</strong>Premium ceded Net profit ceded Premium ceded Net profit cededFire 691.81 -203.15 782.90 201.75Marine - Cargo 168.94 -40.76 181.22 -35.09Marine – Others 462.11 96.77 427.41 268.92Motor 34.91 22.98 15.49 7.74Aviation 171.27 <strong>10</strong>3.53 207.89 84.84Engineering 284.36 24.66 364.26 130.27Other Miscellaneous 592.29 149.81 850.30 40.<strong>10</strong>TOTAL 2405.69 153.84 2829.47 698.53Reinsurance Advisory CommitteeI.4.3.5 As per Section <strong>10</strong>1A of the Insurance Act,1938, every insurer shall reinsure with the Indianreinsurer such percentage of the sum insured on eachgeneral insurance policy as may be specified by theAuthority, which are also known as ‘obligatorycessions’ or ‘statutory cessions’, with the previousapproval of the Central Government, after consultationwith the Reinsurance Advisory Committee.I.4.3.6 For this purpose, the Authority may bynotification, a) specify the percentages of the suminsured on each policy to be reinsured with the Indianreinsurer and different percentages may be specifiedfor different classes of insurance provided that nopercentage so specified shall exceed 30 per cent ofthe sum insured on such policy; and b) specify theproportion in which said percentage shall be allocatedto the Indian reinsurer.I.4.3.7 The Reinsurance Advisory Committee at itsmeeting held in February, 2007 recommended to theAuthority that the obligatory cessions be reduced fromexisting 20 per cent to 15 per cent for the year2007-08 and <strong>10</strong> per cent for the year 2008-09,<strong>2009</strong>-<strong>10</strong> and 20<strong>10</strong>-11. The Authority accepted therecommendation and issued gazette notification givingthe revised obligatory cessions in consultation withthe Government of India. In the year 20<strong>10</strong>-11, <strong>IRDA</strong>has introduced limits of cession in ‘sum insured’ fordifferent classes under obligatory cession.36
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>I.4.3.8 Towards the end of 2007-08, the GeneralInsurance Corporation of India, as the nationalreinsurer, represented to the Authority that thecommission and profit commission terms applicableto statutory cessions were required to be reviewed inthe light of the changed market situation followingremoval of tariff rates. At the same time, the insurersrepresented that the commission terms should remainunaltered, presumably based on the apprehensionthat any determination of different commission termsfor statutory cessions under section <strong>10</strong>1A(4) of theAct at the critical stage may prejudice their positionwith regard to their reinsurance negotiations for theforthcoming year. The Authority after considering boththe views decided that the terms for statutory cessionsfor the year 2008- 09 shall be mutually negotiated andagreed upon between each insurer and the Indianreinsurer. If the parties failed to reach any agreementafter negotiation, the matter may be <strong>report</strong>ed to theAuthority. This position has since continued in thesubsequent years.Obligatory cessions received by GICI.4.3.9 For the year 20<strong>10</strong>-11, the obligatory cessionshave been retained at <strong>10</strong> per cent as applicable for<strong>2009</strong>-<strong>10</strong>. Similarly, the commissions and profitcommissions for 20<strong>10</strong>-11 have to be mutually agreedupon between the respective insurer and the Indianreinsurer.4.4 INSURANCE POOLSTerrorism PoolTABLE 35SHARE OF MEMBER COMPANIES IN THE INDIAN TERRORISM POOL<strong>2009</strong>-<strong>10</strong> 20<strong>10</strong>-11Insurer Per Risk Share Per Risk ShareCapacity (in per Capacity (in per( ` crore) cent) ( ` crore) cent)GIC 147.08 19.61 147.08 19.61National 88.89 11.85 88.89 11.85New India 147.08 19.61 147.08 19.61Oriental 87.00 11.60 87.00 11.60United India 96.45 12.86 96.45 12.86Bajaj Allianz 35.63 4.75 35.63 4.75Cholamandalam 12.00 1.60 12.00 1.60Future Generali 5.00 0.67 5.00 0.67Govt. Insurance Fund, Gujarat 7.50 1.00 7.50 1.00HDFC Ergo 3.38 0.45 3.38 0.45ICICI Lombard 60.00 8.00 60.00 8.00IFFCO-Tokio 22.50 3.00 22.50 3.00Reliance 13.50 1.80 13.50 1.80Royal Sundaram 6.00 0.80 6.00 0.80Tata-AIG 12.08 1.61 12.08 1.61Universal Sompo 0.66 0.09 0.66 0.09Shriram 3.00 0.40 3.00 0.40Bharti AXA 1.50 0.20 1.50 0.20Raheja QBE 0.75 0.<strong>10</strong> 0.75 0.<strong>10</strong>Total 750.00 <strong>10</strong>0.00 750.00 <strong>10</strong>0.0037
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>I.4.4.1 During <strong>2009</strong>-<strong>10</strong>, the total premium ceded tothe Terrorism Pool was `306 crore and claims paidwere `214 crore. The Pool’s premium in the previousyear was `223 crore with claims paid at `50.67 crore.Out of the `214 crore claims paid during the year,`212 crore were towards further on-account paymentsmade for the losses arising from the terrorist attackon 26 th November, 2008 at Mumbai. The loss to thePool from this incident is presently estimated at`500 crore including the on-account payments madeso far. The Pool is protected by an excess of lossreinsurance programme, and loss is in excess of`150 crore are recovered from the reinsurers. Thepremium rates for terrorism cover were revised w.e.f.,1 st April, <strong>2009</strong>. There were no further major losses tothe Terrorism Pool during <strong>2009</strong>-<strong>10</strong>.TABLE 36PREMIUM RATES FOR TERRORISM RISK INSURANCE(w.e.f 1 st April, 20<strong>10</strong>)Total Sum Insured per Risk Category Rate (per Mille)location (MD+LOP)1 Upto `750 crore Industrial Risk 0.30Non-Industrial Risk 0.20Residential Risk 0.<strong>10</strong>2 Over `750 crore and First `750 crore as per (1) above PLUS onupto `2,000 crore balance Sum Insured as under :Industrial Risk 0.25Non-Industrial Risk 0.153 Over `2,000 crore First `2,000 crore as per (2) abovePLUS on balance Sum Insured as under:Industrial Risk 0.20Non-Industrial Risk 0.12TABLE 37MID-TERM COVER FOR TERRORISM RISK INSURANCE (w.e.f 1 st April, <strong>2009</strong>)Period not exceeding15 1 2 3 4 5 6 7 8 9 >9days month month month month month month month month month monthAnnual RateFull(in per cent) <strong>10</strong> 15 30 40 50 60 70 75 80 85 Annual RateIndia Motor Third Party Insurance Pool (IMTPIP)I.4.4.2 With effect from 1 st January, 2007, tariffs werewithdrawn from the non-life insurance market.However, keeping in mind the mandatory nature ofthe third party business, the Authority decided toregulate the premium rates in the said segmenteffective 1 st January, 2007 vide circular no. 034/<strong>IRDA</strong>/Detariff/Dec-06 dated 4 th December, 2006, which waslater modified vide circular no. 043/<strong>IRDA</strong>/Detariff/Jan-07 dated 23 rd January, 2007.I.4.4.3 To redress grievances of non-availability ofmotor third party insurance, especially commercialvehicles, <strong>IRDA</strong> in consultation with the Committeeconstituted under section 1<strong>10</strong>G of the Insurance Act,1938 issued Directions under section 34 of InsuranceAct, 1938 vide circular no. 035/Motor-TP/Dec-06 dated4 th December, 2006 constituting the Indian Motor ThirdParty Insurance Pool (IMTPIP).I.4.4.4 The Pool came into operation from 1 st April,2007 exclusively for commercial vehicles. All insurersregistered to carry on non-life insurance business38
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>including motor business are automatically requiredto participate in the pooling arrangement to providecover at rates notified by <strong>IRDA</strong>. Pooling of business,under the mechanism is achieved through amultilateral reinsurance arrangement between theunderwriting insurer and all other registered non-lifeinsurers and reinsurers.I.4.4.5 The IMTPIP pooled a total premium of `3,160crore towards 87.68 lakh policies issued during theperiod March <strong>2009</strong> - February 20<strong>10</strong>. The incurredclaims of the pool for the same period was`3,791 crore, resulting in an operating loss of`674 crore. As against this, the premium during March2008 – February <strong>2009</strong> was `2,823 crore with incurredclaims of `3,259 crore and net operating loss of`650 crore.I.4.4.6 The pool completed three full years of operationin <strong>2009</strong>-<strong>10</strong>. The Authority has from time to time beenreceiving representations from non-life insurancecompanies who are members of the motor third partycommercial vehicles pool that the present system ofmonthly transfer of premiums to the pool administratorshould be discontinued. The Authority vide circularno. <strong>IRDA</strong>/NL/CIR/MPL/059/03/20<strong>10</strong> dated 31 st March,20<strong>10</strong> rationalised the Motor Third Party Pool forcommercial vehicles with effect from 1 st April, 20<strong>10</strong>.The Authority has modified the mechanism foroperation of the pool, whereby the existing system ofmonthly transfer of funds by the insurance companiesto the pool administrator has been discontinued witheffect from 1 st April, 20<strong>10</strong>. Since the motor third partybusiness is expected to run on a ‘no profit no loss’basis, there shall be no ceding commission in respectof the business ceded to the pool, it will be obligatoryon the part of the insurance companies to segregatefunds on account of the pool business in their accountsand invest them in a manner as provided in the <strong>IRDA</strong>’sInvestment Regulations. The Appointed Actuary of theinsurance company is required to confirm in his <strong>report</strong>,the incorporation of the pool liabilities, includingrevisions, in the company’s accounts. The fees of 1.25per cent of the premium to the pool administrator, hassince been revised to 0.75 per cent. All operationalexpenses and the automated transaction level data(data upload) will continue to flow from the companiesto the pool administrator. As regards the treatment ofmonies remitted to the pool administrator upto31 st March, 20<strong>10</strong>; the pool administrator shall followup with the insurance companies to recover all moniespayable to the pool up to 31 st March, 20<strong>10</strong>. The Fund,after adjustments, will be distributed back to theinsurers by the pool administrator after duereconciliation.Class wise Performance of Motor PoolI.4.4.7 As per the data uploaded by the membercompanies to the pool database, during <strong>2009</strong>-<strong>10</strong>,there was 5-9 per cent increase in the number ofpolicies underwritten under goods, passenger andmiscellaneous class vehicles over the previous year.Trailers and Road Transit Risk policies rose by over25 per cent. However, ‘Internal Risks Only’ policieswitnessed 43 per cent decline. The overall growth innumber of policies underwritten during <strong>2009</strong>-<strong>10</strong> over2008-09 was 7.63 per cent.I.4.4.8 The number of claims submitted during<strong>2009</strong>-<strong>10</strong> saw 180 per cent increase from 50,579 to1,42,138. Similarly, the amount of claims paid during<strong>2009</strong>-<strong>10</strong> (`759 crore) was four times the amount ofclaims paid during 2008-09 (`182 crore). CommercialVehicles (Goods) saw a major jump in claims paidfrom `<strong>10</strong>9 crore in 2008-09 to `470 crore in <strong>2009</strong>-<strong>10</strong>.Similarly, Commercial Vehicles (Passenger)witnessed growth in claims paid from `55 crore in2008-09 to `216 crore in <strong>2009</strong>-<strong>10</strong>.Motor Insurance – Third Party Claims –Identification of Development Patterns and use ofresults for pricing, reserving or other purposesI.4.4.9 The actuarial analysis of approximately 5 lakhtransactions for identification of claims developmentpatterns relating to Motor Third Party Insurance for(i) goods carrying vehicles and (ii) passengers carryingvehicles has revealed the development pattern forthree stages, viz., (i) loss events, (ii) loss intimationand (iii) claim settlement. The analysis reflects themonth in which the claims development pattern iscompleted. The development for goods carryingvehicles and passengers carrying vehicles is indicatedat Table 38 and Table 39 respectively.39
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>TABLE 38DEVELOPMENT PATTERN OF GOODS CARRYING VEHICLESClaim process stageMonth in which per cent development is completed50 % 75 % 90 % 95 %Date of loss to date of intimation 7 14 31 48Date of intimation to date of payment 19 36 55 67Date of loss to date of payment 31 48 67 78TABLE 39DEVELOPMENT PATTERN OF PASSENGERS CARRYING VEHICLESClaim process stageMonth in which per cent development is completed50 % 75 % 90 % 95 %Date of loss to date of intimation 7 16 34 52Date of intimation to date of payment 18 36 56 69Date of loss to date of payment 31 50 70 80I.4.4.<strong>10</strong> The development pattern clearly reflects thatthe claims for the third party motor insurance woulddevelop as indicated in the analysis.4.5 MONITORING OF INVESTMENTS BY THEINSURERSI.4.5.1 The <strong>IRDA</strong> has in place a regulatory frameworkprescribing the pattern of investment to be maintainedby all life and non-life insurance companies, includingthe reinsurer. Within the life segment, stipulations arealso in place for the investment patterns to be compliedwith for the life fund, pension and general annuity andgroup fund, as also for the ULIP funds. All insurersare required to be compliant with the prescribedpattern of investment as laid down by the Authority inthe Investment Regulations notified by it. The detailsof investments held by the life and non-life insurancesector are given below:40Total Investment of the Insurance sectorI.4.5.2 The accumulated investments of the insurancesector increased by 30.38 per cent (18.61 per cent in2008-09) to `12,71,527 crore as on 31 st March, 20<strong>10</strong>as against `9,75,258 crore as on 31 st March, <strong>2009</strong>.The life insurers continued to contribute a significantcomponent of the investments made by the insuranceindustry at 95 per cent of total investments (93.96 percent in 2008-09). In the same vein, the contribution ofpublic sector companies stood at 82 per cent of thetotal investments held by the sector, although with thestabilisation of the operations of the private sectorinsurers, their portfolio of investments has beengrowing at a fast pace in recent years.TABLE 40INVESTMENTS OF THE INSURANCE SECTOR (As on 31 st March)( ` crore)Insurer Life Non-Life Total<strong>2009</strong> 20<strong>10</strong> <strong>2009</strong> 20<strong>10</strong> <strong>2009</strong> 20<strong>10</strong>Public 799593 985028 47782 51687 847375 <strong>10</strong>36715(17.86) (23.19) (1.20) (8.17) (16.78) (22.34)Private 116772 220127 11111 14685 127883 234811(33.35) (88.51) (22.59) (32.16) (32.34) (83.61)Total 916365 1205155 58893 66372 975258 1271527(19.63) (31.51) (4.64) (12.70) (18.61) (30.38)Note:Figures in brackets represent growth in percentage over the previous year
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>Investments of Life InsurersI.4.5.3 The various sources of funds available forinvestment by life insurers can be broadly classifiedas funds from (i) traditional products and (ii) ULIPproducts. The total funds invested by life insurers ason 31 st March, 20<strong>10</strong> was `12,05,155 crore(`9,16,365 crore in 2008-09), of these `3,31,619 crore(27.52 per cent of total funds) represents ULIP fundsand the remaining `8,73,536 crore (72.48 per cent) isthe contribution by traditional products. The share ofULIP funds in total investments has continued to growin recent years reflecting the public preference forthese products. During the year under review, ULIPfunds contributed 55 per cent of the incrementalinvestments (26.39 per cent in 2008-09). While ULIPfunds contributed `1,58,856 crore (`39,686 crore in2008-09) of the incremental investments, thecontribution by the traditional products was`1,29,934 crore (`1,<strong>10</strong>,7<strong>10</strong> crore in 2008-09).I.4.5.4 The pattern of investments of the life insurersremained unchanged as on 31 st March, 20<strong>10</strong> whencompared to 31 st March, <strong>2009</strong> and was in line withthe prescriptions laid down by the <strong>IRDA</strong> as to thepattern of investment, under the InvestmentRegulations. Central Government Securities andApproved Investments are two major avenues forparking of funds by the life insurers.TABLE 41INVESTMENTS OF LIFE INSURERS : INSTRUMENT-WISE(As on 31 st March)Investments from <strong>2009</strong> 20<strong>10</strong>( ` crore)Amount Percentage Amount PercentageTraditional Products1 Central Govt. Securities 3160<strong>10</strong> 42.50 361520 41.392 State Govt. and other approved securities <strong>10</strong>7190 14.41 136998 15.683 Housing & Infrastructure 66673 8.97 72439 8.294 Approved Investments 202469 27.23 245987 28.165 Other Investments 51260 6.89 56592 6.48A. Total (1+2+3+4+5) 743602 <strong>10</strong>0.00 873536 <strong>10</strong>0.00ULIP Funds6 Approved Investments 151490 87.69 293114 88.397 Other Investments 21273 12.31 38505 11.61B. Total (6+7) 172763 <strong>10</strong>0.00 331619 <strong>10</strong>0.00Grand Total (A+B) 916365 120515541
I.4.5.5 Based on a further segregation of funds underthe traditional products and ULIP, Life Fundcontributed `7,32,613 crore (60.79 per cent), Pensionand General Annuity & Group Fund `1,40,923 crore(11.69 per cent) and ULIP Fund `3,31,619 croreANNUAL REPORT <strong>2009</strong>-<strong>10</strong>42(27.52 per cent) of the total investments of the lifeinsurance companies. During <strong>2009</strong>-<strong>10</strong>, the share ofULIP funds in total investment has gone upconsiderably from 18.85 per cent in 2008-09 to 27.52per cent.TABLE 42INVESTMENTS OF LIFE INSURERS : FUND-WISE (As on 31 st March)( ` crore)Insurer Life Fund Pension and Unit Linked TotalGeneral Annuity & Fund All FundsGroup Fund<strong>2009</strong> 20<strong>10</strong> <strong>2009</strong> 20<strong>10</strong> <strong>2009</strong> 20<strong>10</strong> <strong>2009</strong> 20<strong>10</strong>LIC 606487 699475 <strong>10</strong>7135 130885 85972 154668 799593 985028Private 23163 33137 6817 <strong>10</strong>038 86791 176951 116772 220127Total 629650 732613 113952 140923 172763 331619 916365 1205155(68.71) (60.79) (12.44) (11.69) (18.85) (27.52) (<strong>10</strong>0.00) (<strong>10</strong>0.00)Note: Figures in brackets are percentage of respective funds to the total fundsTABLE 43GROWTH OF INVESTMENTS: FUND-WISE (As on 31 st March)( ` crore)Fund <strong>2009</strong> 20<strong>10</strong>Total Increase % Total Increase %Life 629650 16.25 732613 16.35Pension & General Annuity & Group Fund 113952 24.86 140923 23.67Traditional (A) 743602 17.49 873536 17.47Unit Linked Funds (B) 172763 29.82 331619 91.95Total (A+B) 916365 19.63 1205155 31.51Investments of Non-Life InsurersI.4.5.6 Non-Life insurers contributed 5 per cent of totalinvestments made by the insurance industry. The totalamount of investments made by the sector, as on31 st March, 20<strong>10</strong>, was `66,372 crore (`58,893 croreas on 31 st March, <strong>2009</strong>). During <strong>2009</strong>-<strong>10</strong>, the netincrease in investments by the industry stood at `7,479crore (12.70 per cent growth over previous year).I.4.5.7 The pattern of investments made by the nonlifeinsurers remained the same as was in the previousyear, in tune with the prescription laid down under theInvestment Regulations. As on 31 st March, 20<strong>10</strong>, theinvestments in Central Government Securities andApproved Investments stood at `16,038 crore (24.16per cent) and `24,256 crore (36.55 per cent)respectively.TABLE 44INVESTMENTS OF NON-LIFE INSURERS : INSTRUMENT-WISE (As on 31 st March)Pattern of Investments <strong>2009</strong> 20<strong>10</strong>Total % to Fund Total % to FundCentral Govt. Securities 14591 24.78 16038 24.16State Govt. and other approved securities 6077 <strong>10</strong>.32 6971 <strong>10</strong>.50Housing and Loans to State Govt. for Housing & FFE 4244 7.21 4790 7.22Infrastructure Investments 8980 15.25 <strong>10</strong>373 15.63Approved Investments 2<strong>10</strong>31 35.71 24256 36.55Other Investments 3971 6.74 3944 5.94Total 58893 <strong>10</strong>0.00 66372 <strong>10</strong>0.00Note: Investments of CHNHB Association, ECGC and AIC of India have not been included.( ` crore)
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>I.4.5.8 During <strong>2009</strong>-<strong>10</strong>, all life and non-life insurancecompanies were compliant with the stipulations onpattern of investment as laid down in the InvestmentRegulations. However, General Insurance Corporationof India (GIC) had failed to comply with the provisionson minimum mandatory investment required to bemade in Central Government securities. TheCorporation was levied a penalty of `5 lakh during<strong>2009</strong>-<strong>10</strong>. All the insurers, both life and non-life hadcarried out their Risk Management System audit andthe concurrent audit through independent externalaudit firms for their investment functions. Thisrequirement has been mandated for all insurerseffective financial year <strong>2009</strong>-<strong>10</strong>.4.6 HEALTH INSURANCEI.4.6.1 Health insurance has been predominantlywithin the non-life sector as a part of the miscellaneousaccident portfolio. However, in the last couple of years,health insurance has emerged as one of the mostpromising growth segment with increase in not onlynumber and variety of products but also in the numberof insurance companies venturing into the healthinsurance market. The Indian industry already hasthree standalone health insurers who have beengranted certificate of registration by <strong>IRDA</strong>, with thelatest entrant being Max Bupa Health Insurance Co.Ltd. <strong>IRDA</strong> is presently considering one moreapplication for a standalone health insurancecompany. The health insurance industry, which hadunderwritten premium of over `8,000 crore in<strong>2009</strong>-<strong>10</strong> (`6,625 crore in 2008-09) is expected toexpand manifold because this sector is increasinglybecoming an important line of business not only forstandalone health insurers but also the existingplayers in the non-life industry. The health segmentcontributed 21.12 per cent of the total premium in<strong>2009</strong>-<strong>10</strong> (20.06 per cent in 2008-09).I.4.6.2 <strong>IRDA</strong> has been consistently attempting toaddress and resolve the key issues faced by the healthinsurance sector. One of the initiatives has been thecreation of checklist for facilitating processing of healthinsurance products filed by the non-life insurancecompanies. The checklist is created by analysing theobservations of the Health section over the last twoyears, across various categories of health products.The checklist is intended for self administration bycompanies for products filed by them, so thatinconsistencies are eliminated at their end before thedocuments are submitted to <strong>IRDA</strong>.I.4.6.3 Based on the Checklist and as a step towardscreating an online library of products, the healthsection has designed a product database that wouldcapture all important features of health products tothe granularity of sub-limits, age-wise premium rates,exclusions, etc. In addition, once the software is putin place and the data keyed in for health products, theproduct database will enable <strong>IRDA</strong> to performcomparative analysis across all health products. Allthese initiatives are being attempted to introduce indue course, online filing of health insurance productsby insurance companies.Recent GuidelinesI.4.6.4 While processing health products under theexisting F&U formats, health section has recognisedthe need for more health specific information frominsurance companies at the time of filing of products.Taking cognisance of this and with a view to enhancingthe health product processing, the health section hasre-designed File & Use formats for filing of healthinsurance products. The exposure draft has been sentto the General Insurance Council for comments.Health section is currently examining the feedbackreceived from the Council.TABLE 45HEALTH INSURANCE PREMIUM 2005-20<strong>10</strong><strong>2009</strong>-<strong>10</strong> 2008-09 2007-08 2006-07 2005-06Non-Life Private Insurers 2349.84 2266.33 1832.51 1223.99 539.59Non-Life Public Insurers 4883.26 3824.04 3136.51 1973.57 1682.51Standalone Health Insurers <strong>10</strong>72.08 535.09 155.94 11.16 -Total 8305.18 6625.46 5124.95 3208.73 2222.09( ` crore)43
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>I.4.6.5 The recent stand-off between non-life PSUsand their network hospitals owing to continuouslyrising claims cost for insured availing cashlesstreatment resulted in review of cashless facility in someof the network hospitals. In order to ensure that noinconvenience is caused to existing policyholders,<strong>IRDA</strong> has instructed all insurance companies toensure that, at times when there is a change inpreferred provider network of hospitals, policyholdersare always informed about the nearest possiblealternative hospitals where cashless facility is availableand that the interests of the policyholders are notadversely affected at any point of time.I.4.6.6 <strong>IRDA</strong> has been receiving health insurance datafrom non-life insurance companies and TPAs. Lifeinsurance companies have also been directed nowto submit health insurance data for health insurancepolicies underwritten by them on half yearly basis w.e.f1 st April, 20<strong>10</strong>. The data submitted to <strong>IRDA</strong> byinsurance companies and TPAs will be used to buildan industry database for Health Insurance. In fact,insurance companies are already utilisingcomprehensive data analysis made available on thewebsite by the Insurance Information Bureau (IIB).I.4.6.7 As a measure to ensure policyholders are notunfairly denied renewal, the Authority is insisting uponhaving “no exit age” for all new health insuranceproducts filed. Also on the anvil are initiatives, likeprovision for continuation of coverage to members andfamily in respect of group health insurance products,portability and establishment of a Health InsuranceCouncil.Initiatives through Trade BodiesI.4.6.8 <strong>IRDA</strong> continues to support the activities ofWorking Groups formed by FICCI and CII on specificareas of health insurance. Both the industry bodiesorganise <strong>annual</strong> health insurance events and releasetheir <strong>report</strong>s comprising of the recommendations ofthe Groups. Currently these multi-stakeholder groupsare mainly working on standard framework for groupproduct pricing; framework for enhancing quality inhealthcare through health insurance throughsynergistic efforts of the regulatory bodies, NationalAccreditation Board for Hospitals & HealthcareProviders (NABH), insurance companies andproviders; standardisation of billing formats;standardisation of TPA/Insurer and TPA/HospitalContracts.I.4.6.9 As more people buy health insurance to meetthe requirement of funding healthcare for themselvesand their families, the necessity of close monitoringof the pricing mechanism of health products by theAuthority becomes important. While, insisting on thesustainability and viability of the products with respectto the rates and discounts filed under File & Useprocedures, the Authority also requires the insurancecompanies to submit their past experience on similarproducts and its analysis to support the pricemechanism filed by them.BOX ITEM 4INNOVATIONS IN HEALTH INSURANCEWe as Indians spend about 80 per cent of all health expenditure in the country from our personalresources. Hence the importance of adequate planning for health contingencies cannot beoveremphasised especially, given the steep escalation in healthcare costs, expensive health technologyand pharmaceuticals. With increasing demand, the health insurance industry has come up withinnovative products to enable policyholder to plan comprehensive protection against health eventualitiesby combining hospitalisation indemnity products with supplementary covers or additional policies tomeet specific needs of the policyholder.There are products available that provide Daily Hospital Cash benefit in the form of fixed daily allowancewhich could be used to cover the incidental costs associated with hospitalisation (like travel and staycosts of an attendant). These benefits are available either on standalone basis or as optional componentof a packaged health insurance policy.44
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>Personal Accident policies, which can again be availed on standalone basis or as part of packagedproduct with health insurance, are also a useful supplement to the hospitalisation indemnity products.Most insurance companies offer critical illness benefit products that provide a lump sum amount onthe diagnosis of specified dreaded diseases like cancer, heart attack, coma or major organ failure.While these diseases may be quite infrequent and a one-off occurrence, their impact can be bothemotionally and financially devastating on the household where such illness occurs. Critical Illnessproducts that are available as standalone or as add-on/riders to life and non-life policies or as acomponent of a packaged health insurance product could supplement the indemnity product andmake the health insurance cover comprehensive.Most of the above mentioned products are now being offered by insurance companies for a periodlonger than a year. Many of these products have features requiring the insured to undergo regularhealth check ups and some of them even provide round the clock suggestive medical advice overphone and through e-mails. Some insurance companies have also created dedicated platforms whichprovide necessary health information to their policyholders through specifically designed web portals.In addition to the above, there are many products based on disease management platform. Theseproducts are primarily targeted at persons who may be already suffering from chronic diseases likeDiabetes. Such products include cover for medicines and laboratory tests on OPD basis, in addition toother covers under the product. This category of products may develop further in the days to come asa useful supplement to the hospitalisation indemnity coverage for a person who is affected with sucha chronic ailment.There are also riders now available that, for a fixed upfront premium, allow free dental or OPDconsultations from the provider network of the insurance company and thus cover dental treatment orOPD treatment in a limited way. Although no medicines or investigations are covered in this rider, it isone step towards coverage of OPD costs.Another option now available is the top-up or high-deductible cover for individuals (and families) whoare already covered by their existing insurance companies or employers with a sum insured limit(deductible). Such individuals can buy the top-up covers that provide them coverage beyond thedeductible chosen.All the above products, with the exception of Personal Accident products, only provide coveragewithin India. When travelling out of India, yet another tier available for protection against healthcontingencies is Overseas Medical Insurance policies, which are sometimes packaged as OverseasTravel plans by including other components like loss of passport, loss of baggage, etc. In days tocome, industry may witness products offering medical coverage targeted to international travellerswith coverage extending beyond travel and not limited /restricted to medical emergencies and accidents.In fact the insurance companies are deliberating on products targeted to international travellers sanstravel components.Though most of the health policies offered now are <strong>annual</strong>ly renewable, insurance companies areinnovating ways to establish long term arrangements with the policyholder by offering long term policiesor by incentivising timely renewals, free health check-ups, loyalty vouchers for OPD covers, etc.45
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>In the days to come, the market may also see innovative health products covering alternative medicaltreatments like AYUSH, since the government has been emphasising the need for the insurancesector to extend the coverage to indigenous systems of medicine.Also foreseeable in near future is incorporation of savings element in the health indemnity covers foryounger policyholders who can avail tax advantages now and can build up health protection for oldage.The innovative spirit of the health insurance industry has blurred the lines between life and non-lifecovers. Recently, the Authority has received proposals to consider offering pure term life insuranceproducts along with health insurance products under the umbrella of a single product. The Authorityhas allowed the same as a product class within a broader policy framework of ensuring an informedchoice and effective policy service to the policyholders. It is envisaged that the combi-products couldenhance the penetration of personal lines of insurance business with a wider product choice topolicyholders. While <strong>IRDA</strong> adopts a business facilitative approach, it is expected that all insurancecompanies would put in place prudent market conduct practices and operational procedures forprotecting the interests of policyholders.A few insurance companies are also designing niche products with the concept of covering “nonadmissibleexpenses”, which generally form part of standard exclusion in indemnity hospitalisationpolicies. There are no limits to insurance companies experimenting with innovative product designs.However, below poverty line (BPL) families and low income, small town population, are yet to betargeted/tapped significantly by the insurance industry to provide coverage to those who are in direneed of health insurance. In fact, these segments could actually be used to increase insurancepenetration in the country.As a measure to reinstate the Authority’s agenda of improving insurance coverage to weaker sectionsof the society, <strong>IRDA</strong> has conceptualised a composite standard product to provide a comprehensivepackage of insurance covers to persons belonging to economically weaker sections in rural and urbanareas. The standard product could become the primary instrument for fulfilment of the rural and socialobligations of insurance companies under the Insurance Act, 1938. It is envisaged that the productwill have defined options and levels to provide choice and flexibility to customers to cater to individualneeds.Third Party Administrators (TPA)I.4.6.<strong>10</strong> During <strong>2009</strong>-<strong>10</strong>, no new licence was grantedby the Authority to Third Party Administrators.However, a couple of new applications are beingprocessed by the Authority. The following TPAlicences were renewed by the Authority during<strong>2009</strong>-<strong>10</strong>.TABLE 46TPA LICENCES RENEWED DURING <strong>2009</strong>-<strong>10</strong>Name of TPA1 Grand Healthcare2 Dedicated Healthcare Services3 Vipul MedcorpI.4.6.11 The health insurance segment showed stronggrowth during the year under review and the TPAs asparticipants in the health insurance delivery chain,reflected similar performance. The TPAs furtherexpanded the network of hospitals eligible fortreatment by the policyholders during the year.I.4.6.12 The Table 47 provides details of infrastructureadded by the TPAs during <strong>2009</strong>-<strong>10</strong>.46
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>TABLE 47TPA INFRASTRUCTURE (<strong>2009</strong>-<strong>10</strong>)S.No. Name of the TPA No. of No. of New Manpower addedHospitals added Branches Includingto the Opened ProfessionalsNetwork1 Park Mediclaim 2<strong>10</strong> nil 202 Vipul Med Corp 343 3 813 Alankit Health Care 375 4 444 I Care Health Management & Services 2040 2 515 Dedicated Healthcare Services 446 3 676 Medicare Services 406 nil nil7 MD India Healthcare Services 585 17 7818 Heritage Health 226 1 219 Genins India 362 5 25<strong>10</strong> Rothshield Healthcare Services 309 nil 211 E Meditek Services 867 42 17612 Parekh Health Management 311 38 nil13 Safeway Services 540 nil 2014 Med Save Health Care 427 1 28615 Good Healthplan 267 3 3516 Health India Services 786 nil 1317 Medi Assist India 167 nil 13818 Anmol Medicare <strong>10</strong>2 nil 1419 Raksha 630 3 920 Family Health Plan 391 7 8721 TTK Healthcare 731 nil 18822 Grand Healthcare Services nil nil <strong>10</strong>23 Paramount Health Services 395 1 6624 Anyuta Medinet Healthcare nil nil nil25 East West Assist 58 3 1226 Focus Healthcare nil -5 nil27 Sri Gokulam Health Services nil nil nilTOTAL <strong>10</strong>974 128 214647
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>I.4.6.13 The Authority actively continued to engagewith various industry bodies and stakeholders, with aview to further streamlining the health insuranceservices in the country. Particularly with reference tothe functions of TPAs, certain formats and documentsfor communication and processing are proposed forstandardisation to bring in uniformity and to smoothenthe processes. A number of measures aimed atimproving the customer service orientation of theindustry as well as to improve transparency in thesystem were initiated during <strong>2009</strong>-<strong>10</strong>.I.4.6.14 The Authority maintains a separate systemfor handling grievances with respect to TPAs frompolicyholders, providers and other stakeholders.During <strong>2009</strong>-<strong>10</strong>, the Authority received 312complaints, of which 305 were disposed and 7complaints were outstanding as on 31 st March, 20<strong>10</strong>.TABLE 48THIRD PARTY ADMINISTRATORS - CLAIMS DATAYear Claims* Claim Settled ClaimsReceivedOutstandingWithin one Within 1-3 Within 3-6 More thanmonth months months 6 months2008-09 2446713 1847212 360173 6<strong>10</strong>22 12934 185120(75.50) (14.72) (2.50) (0.53) (7.57)<strong>2009</strong>-<strong>10</strong> 3365940 2348147 597408 121485 29362 299381(69.76) (17.75) (3.61) (0.87) (8.89)Note: Figures in bracket indicate ratio (in per cent) of claims settled to the total claims received.*Excluding as on 31 st March.4.7 BUSINESS IN THE RURAL AND SOCIALSECTORI.4.7.1 The Regulations framed by the Authority onthe obligations of the insurers towards rural and socialsectors stipulate obligations to be fulfilled by insurerson an <strong>annual</strong> basis. The regulations require insurersto underwrite business based on the year ofcommencement of their operations. ‘For meeting theseobligations the regulations further provide that if aninsurance company commences operations in thesecond half of the financial year and is in operationsfor less than six months as at 31 st March of the relevantfinancial year (i) no rural or social sector obligationsshall be applicable for the said period; and (ii) the<strong>annual</strong> obligations as indicated in the Regulations shallbe reckoned from the next financial year which shallbe considered as the first year of operations for thepurpose of compliance. In cases where an insurancecompany commences operations in the first half ofthe financial year, the applicable obligations for thefirst year shall be 50 per cent of the obligations asspecified in these Regulations.’Obligations of life insurers:Rural Sector ObligationsI.4.7.2 All the twenty two life insurance companies inthe private sector fulfilled their rural sector obligationsduring <strong>2009</strong>-<strong>10</strong>. The number of policies underwrittenby them in the rural sector as a per cent of the totalpolicies underwritten in the year <strong>2009</strong>-<strong>10</strong> was as perthe obligations applicable to them.I.4.7.3 LIC was compliant with its obligations in therural sector, and underwrote a higher per cent ofpolicies in rural sector, than the prescribed 25 per centfor <strong>2009</strong>-<strong>10</strong>.Social Sector ObligationsI.4.7.4 Out of the twenty two life insurance companiesin the private sector, except HDFC Standard, all theother companies fulfilled their social sector obligationsduring <strong>2009</strong>-<strong>10</strong>. The number of lives covered by themrespectively in the social sector was above thestipulated obligations.I.4.7.5 HDFC Standard which was in its <strong>10</strong> th year ofoperations in <strong>2009</strong>-<strong>10</strong>, covered 50,268 lives in thesocial sector as against the obligation of 55,000 lives48
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>and was non-compliant with its social sectorobligations for the financial year <strong>2009</strong>-<strong>10</strong>. TheAuthority is initiating penal action against the insurerfor the non-compliance under Section <strong>10</strong>5B of theInsurance Act, 1938.I.4.7.6 LIC was compliant with its social sectorobligations covering a higher number of lives than theprescribed 20 lakh lives as obligations for <strong>2009</strong>-<strong>10</strong>.Obligations of non-life insurers:Rural Sector ObligationsI.4.7.7 All the seventeen private insurance companieswere compliant with their rural sector obligations in<strong>2009</strong>-<strong>10</strong>. The gross direct premium underwritten bythem in the said sector, as a percentage of totalpremiums underwritten in <strong>2009</strong>-<strong>10</strong>, was above theprescribed stipulations.I.4.7.8 Except New India, all the public sector insurerscomplied with the rural sector obligations for <strong>2009</strong>-<strong>10</strong>. With respect to the public sector insurers, theirobligation was seven per cent of the quantum ofinsurance business done by them in the accountingyear <strong>2009</strong>-<strong>10</strong>.I.4.7.9 New India procured 6.29 per cent of its grossdirect premium in the rural sector as against theobligation of 7 per cent and was non compliant withits rural sector obligations for the financial year <strong>2009</strong>-<strong>10</strong>. The Authority is initiating penal action against theinsurer for the non-compliance under section <strong>10</strong>5B ofthe Insurance Act, 1938.Social Sector ObligationsI.4.7.<strong>10</strong> All the seventeen private insurancecompanies were compliant with the social sectorobligations during the year <strong>2009</strong>-<strong>10</strong>. The number oflives covered by them in the social sector was alsohigher than the regulatory stipulations.I.4.7.11 Among the four public sector insurers, exceptNew India, the other three companies complied withthe social sector obligations for <strong>2009</strong>-<strong>10</strong>. With respectto the public sector insurers, their obligations for thefinancial year <strong>2009</strong>-<strong>10</strong> was <strong>10</strong> per cent above thestipulated number of lives to be underwritten in thesocial sector in 2008-09 by the respective insurer or5.50 lakh lives, whichever is higher.I.4.7.12 New India covered 95 lakh lives in the socialsector as against an obligation of 168 lakh lives in thefinancial year <strong>2009</strong>-<strong>10</strong> and was non-compliant withits social sector obligations. The Authority is initiatingpenal action against the insurer for the noncomplianceunder Section <strong>10</strong>5B of the Insurance Act,1938.4.8 FINANCIAL REPORTING AND ACTUARIALSTANDARDSFinancial ReportingI.4.8.1 The Authority took a number of initiatives during<strong>2009</strong>-<strong>10</strong> to improve the level of transparency anddisclosures by the insurance companies. Additionalmeasures were also taken by the Authority to improvedisclosures in <strong>report</strong>ing in the financial statements.These measures are indicated below:I.4.8.2 Effective from the financial year 2008-09onwards, all insurers have been advised to file detailsof penal actions taken against them by variousGovernment authorities. The said information isrequired to be duly certified by the Statutory Auditorsof the insurer.I.4.8.3 Insurers have also been advised to file theReturn on an <strong>annual</strong> basis giving details of CharteredAccountant firms engaged in various capacities likeStatutory Auditors, Internal Auditors, ConcurrentAuditors, Tax Auditors and other Auditors.I.4.8.4 The Guidelines on “Corporate Governance forthe Insurance Sector” have been made effective fromthe financial year 20<strong>10</strong>-11. The Guidelines providefor constitution of Board and various sub-committeesand also have a provision for “whistle blowing” policyto be in place at the insurer’s office. The format offiling Compliance Report is under process and shallbe notified in due course. With these stipulations, theinsurance companies have been placed at par withthe listed entities on compliance with the corporategovernance requirements.I.4.8.5 The Authority has been concerned about theever expanding outstanding balances, viz., ‘amountdue from other entities carrying on insurance business’and ‘balances due to other insurance companies’which remain non-reconciled for a long period of timeand such assets could possibly also have been taken49
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>into account while computing solvency margin byrespective insurers despite clear instructions issuedby the <strong>IRDA</strong> to the contrary. With a view to ensuringthat insurers initiated steps to reconcile these balanceson a regular basis, the Authority vide circular dated26 th May, <strong>2009</strong> advised all non-life insurers to followthe methodology as stipulated in the said circular withrespect to these balances.Appointed Actuary SystemI.4.8.6 One of the main areas which engages theattention of actuaries is the assessment of financialrisks in the operation of the insurance companies sothat the products sold by them do not contribute tofinancial risks beyond a level. In this context, theyensure that the solvency of the company is maintainedat all points of time.I.4.8.7 The Authority introduced the system ofAppointed Actuary (AA) in the year 2000. During 2003-04, the Authority notified the ‘Qualification of Actuary’Regulations, defining an Actuary for the purpose ofthe Insurance Act, 1938. The powers and duties ofan Appointed Actuary are laid down by the Authorityin the said Regulations.I.4.8.8 In the case of a non-life insurer, the AA isrequired to certify the rates for in-house non-tariffproducts and Incurred But Not Reported (IBNR)Reserves, which are indicated under ‘OutstandingClaims’ in the financial statements. While analysingthe availability of solvency in the insurance companies,one of the methods followed to ensure consistencyand acceptability of the liability estimates preparedby actuaries, is the peer review system.Review CommitteeI.4.8.9 The Authority has in place the ReviewCommittee which has been mandated with the taskof reviewing the Statutory Report furnished with <strong>IRDA</strong>in respect of Actuarial Report and Abstract as requiredunder Section 13 of the Insurance Act, 1938. Thenew Actuarial Review Committee constituted in theyear 2008 continued its work in year <strong>2009</strong>-<strong>10</strong> as well.Actuarial StandardsI.4.8.<strong>10</strong> The Institute of Actuaries of India (IAI) issuedthe first Guidance Note (GN-I) on ‘Appointed Actuariesand Life Insurance’. IAI also issued the GN-21 for theappointed actuaries of general insurers.PUBLIC DISCLOSURES – THE REGULATORY PERSPECTIVEBOX ITEM 5Disclosures: Disclosure to the various stakeholders in the market is vital to the supervisory process inany jurisdiction. In an efficient marketplace disclosure is expected to achieve market discipline amongstthe participants. Disclosures take on an added dimension in case of the insurance sector, since theinsurer holds the monies of the insured/policyholders in ‘trust’. In effect, disclosures pertaining to allaspects of operations gain relevance viewed from the perspective of whichever stakeholder.Objectives of Disclosures: Broadly, the various objectives proposed to be achieved through disclosures,from the viewpoint of the stakeholders include (i) providing insurance to the public at fair and nondiscriminatoryterms; (ii) providing efficient service to policyholders and claimants; (iii) transparency ofoperations resulting in building up market confidence in the insurance industry; (iv) disclosures are thecornerstones for achieving corporate governance and risk management; (v) ensuring proper and efficientmanagement of insurance funds; and (vi) facilitate industry competition at an effective and healthy level.Availability of information is also critical to ensure that the needs of both analysts and researchers aremet.Insurance Core Principles: The International Association of Insurance Supervisors (IAIS), the associationof insurance supervisors across jurisdictions, has also laid emphasis on supervisory bodies ensuringthat the disclosures by incumbent regulated entities are relevant, timely, accessible, comprehensiveand meaningful, reliable, comparable and consistent over time.ICP 26 Information, disclosure & transparency towards the market, one of the 28 core principles ofstandards and codes in place, provides ‘The supervisory authority requires insurers to disclose relevantinformation on a timely basis in order to give stakeholders a clear view of their business activities andfinancial position and to facilitate the understanding of the risks to which they are exposed’.50
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>The emphasis is not only on disclosure but also ‘transparency‘, which envisages that the recipient ofinformation is able to use it and has a fair degree of understanding of the information provided. Publicdisclosures need to meet the following ends:a) Relevant to decisions taken by market participants;b) Timely so as to be available and up-to-date at the time those decisions are made;c) Accessible without undue expense or delay by the market participants;d) Comprehensive and meaningful so as to enable market participants to form a well rounded viewof the insurer;e) Reliable as a basis upon which to make decisions;f) Comparable between different insurers and other companies; andg) Consistent over time so as to enable relevant trends to be discerned.To achieve these ends, disclosures made must necessarily cover, at the minimum, the financial position;financial performance for a specified period; risk exposures and how they are managed; the basis,methods and assumptions upon which information is prepared including the accounting policies; andbasic business, management and corporate governance information.Means of supervision: Transparency in operations, availability of information in the hands of the decisionmakersand disclosures to the Authority, are all various aspects of ensuring effective supervision withinthe insurance companies, and for the sector as a whole either through self regulation or through themechanics of supervisory oversight. Broadly, this oversight may be achieved in different measuresthrough any one or all of the following means:1. Internal mechanisms in the insurance companies including supervision and active review by theBoard; through sufficiently detailed <strong>report</strong>ing to the Board and active review by the Board; internaland external audit; properly structured delegation of authority; and well defined and adequatelines of <strong>report</strong>ing back to the Board.2. Industry self regulation measures, especially in matters of market conduct.3. Supervisory oversight through <strong>report</strong>s on market conduct; and financial strength includinginvestment returns, accounts returns and other statutory returns.4. Supervisory oversight through on-site inspections.Towards achieving its goal of effective supervision, the Authority has recently undertaken the BusinessAnalytics Project, which is aimed at meeting the data needs and information for analysing insurancecompanies and for regulatory decision making. The Solution Development Architecture has alreadybeen finalised, and the next step of Implementation of ERP System – Stage- I - Short-listing of IT firmsfor the Technical Bidding (Phase-II) has been initiated by the Authority. The BAP is a comprehensiveexercise at covering all aspects of the information needs of the regulator, be it financial and actuarialaspects, investments, the claims and grievance redressal mechanisms, global insurance industry wideinformation required for policy decision making. The operationalisation of the BAP would build up a hugegap in ensuring transparency of operations of the insurance entities and facilitate in supervision byexception.Risk management and disclosures: Risk – the chance of something happening that will have an impacton objectives. It is measured in terms of likelihood and consequence. It is the circumstance, action,situation or event with the ability or potential to impact the key dependencies that support the coreprocesses of the organisation. Broadly, risks are segregated into financial and non-financial risks. Thevery crux of enterprise wide risk management rests on availability of information through adequatedisclosures and transparency. It is also a fact that in putting in place systems to meet the stipulations ondisclosures, entities also move a step closer to the analysis of the same information in-house andsimultaneously ‘peer pressures’ and comparisons ensure that the benefits of market pressures andcompetitive environment exert influence to improve operational performance on various counts. It is afact that better managed enterprises take the initiative of providing disclosures on a voluntary basis and51
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>actually make disclosures which go at least a step further from those requisitioned in the regulatoryframework.<strong>IRDA</strong>’s recent initiatives at enhancing public disclosures: With a view to improving transparency inoperations, the Authority has been working towards enhancing disclosures to be made by insurancecompanies on periodic basis. Another step in this direction has been the issuance of guidelines in January,20<strong>10</strong>. The stipulations on disclosures to be made by insurance companies have been strengthened bythe Authority to fill the gap in availability of information in the public domain. These disclosures arerequired to be made through (i) Publication in Newspapers and (ii) Hosting on the respective companywebsites, effective from the period ended 31 st March, 20<strong>10</strong>. This initiative has placed the insurancecompanies, which are presently not publicly listed entities, at par with the listed entities in the corporateworld in terms of public disclosures. Listed corporate entities are governed by the terms of the ListingAgreement, which amongst other things provides for public disclosure of performance on a quarterlybasis.These initiatives have followed deliberations at length both within the Authority and with the variousstakeholders. Divergent views have at times been expressed – while some have taken the stance thatthe public at large was not yet ready to fully appreciate the disclosures proposed to be made, others hadexpressed concerns over possibility of the information provided being exploited to meet devious ends.There were others who felt that the competitors may get access to confidential information, while somewent that extra mile to voluntarily initiate disclosures.How much disclosure and the cost of regulatory burden: ‘How much disclosure is sufficient?’ is aquestion which would always be a dilemma to be addressed by the regulator. While on the one hand theinsurance companies would prefer to restrict to quantum of public and regulatory disclosure, frequentlyon the plea of the attached costs and the regulatory burden, the regulator would want to ensure adequacyof disclosures and transparency. Insurance companies frequently also cite reasons of confidentialitydue to the adverse impact of the information being accessed by their competitors. There is, however, afine balance which needs to be maintained to ensure that while transparency of operations is achieved,the cost of such disclosures do not outweigh the benefits reaped. There is also the concern about thedisclosures resulting in an overflow of information, whereby critical information would be lost in theoverwhelming degree of detail. The contents must meet the objectives for which the disclosures arebeing made. In a number of jurisdictions, it has been observed that the supervisory bodies work at(i) assessing the costs attached to the increased stipulations being prescribed; and (ii) the objectivesproposed to be achieved through the additional stipulations being prescribed by the regulatory authorities.The way forward: There is frequently a thin line between meaningful and timely disclosure and a plethoraof information being provided which may easily result in critical information being lost sight of. In theIndian context, the disclosure requirements are slowly moving towards international benchmarks. It isenvisaged that with the levels of disclosures being raised, the stakeholders would be in the position touse the information provided to meet their respective needs – be it the regulator, the insurance companiesand the intermediaries, the policyholders, the policy makers or the analysts. As the industry reaches ahigher level of maturity, the information needs are also likely to evolve and would have to be addressedon a continuing basis. Already, the next level of challenges include meeting the information needs tohandle the concerns relating to supervision of financial conglomerates. The first set of insurance companieswhich were granted registration in the year 2000 would be completing ten years of operations in thecurrent financial year. In such a scenario, the capital markets in India could be a witness to Initial PublicOfferings (IPOs) in the not too distant a future. The challenge here is to ensure adequacy of disclosuresto facilitate investment decision making by the investor community. As the global economies movetowards International Financial Reporting Standards (IFRS) to achieve one global language of presentingthe financial statements, the insurance sector is faced with the challenges of convergence towards thesaid standards, particularly in a scenario where the Accounting Standard for Insurance Contracts stillhas to be finalised, and to meet the disclosure requirements under the new set of accounting rules.Overall, these are interesting times where the expectations for information of the various stakeholdersare increasing. The issue which needs to be addressed is not ‘how much disclosure’ but how to makethe disclosures made relevant, timely, accessible, comprehensive and meaningful, reliable, comparableand consistent over time.52
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>4.9 ANTI-MONEY LAUNDERING /COUNTER-FINANCING OF TERRORISM (AML/CFT)PROGRAMMEI.4.9.1 <strong>IRDA</strong> issued the guidelines on Anti-MoneyLaundering Programme applicable to the insuranceindustry on 31 st March, 2006. These guidelines areeffective from 1 st August, 2006.I.4.9.2 The guidelines require an insurance companyto have an AML/CFT programme in place focusingon Know Your Customer (KYC) Norms. The guidelinesstipulate the <strong>report</strong>ing and record keeping obligationsof the insurers under the Prevention of MoneyLaundering Act, 2002 and the Rules framedthereunder. Detailed guidance on the implementationof Section 51A of the Unlawful Activities (Prevention)Amendment Act (UAPA), 2008, laying down theprocedure of freezing / unfreezing mechanism ofinsurance contracts with certain terrorists and terroristorganisations has been provided to the insurancesector under these guidelines.I.4.9.3 The AML/CFT guidelines are applicable to allcontracts of life insurance companies. In case ofgeneral insurance companies, however, theapplicability is at the pay-out stage (for claims/refundsover `1 lakh).I.4.9.4 The KYC norms require insurers to documentproof of identity, residence, sources of funds etc., aspart of the due diligence process. The AML/CFTprogram of an insurer envisages maintenance ofrecords and <strong>report</strong>ing of certain transactions throughspecified <strong>report</strong>s viz., Cash Transaction Report,Suspicious Transaction Report, Receipts of Non-ProfitOrganisation and Counterfeit Currency Reports to theFinancial Intelligence Unit, India. As part of controlmeasures under the AML/CFT program, the guidelineshave prescribed the cash acceptance thresholds at`50,000/- beyond which, premium/proposal depositshave to be remitted through the banking channels.Insurance companies have been advised to apply thesaid thresholds and to not accept cash deposits wherethere is a possibility of the transactions beingintegrated through a single remitter. Further, theinsurance companies are required to make allpayments, after due verification of the bona-fidebeneficiary, through account payee cheques andelectronic payment methods such as ECS, NEFT,RTGS Systems approved by the Reserve Bank ofIndia.I.4.9.5 The guidelines provide that no contract shouldbe entered into with a customer whose identitymatches with any person with known criminalbackground; with banned entities; and/or those<strong>report</strong>ed to have links with terrorists or terroristorganisations. In case it is detected or suspected thatthe existing insurance contracts pertain to an individualand/or entities subject to UN sanction measures underUNSC Resolutions called as ‘designated individuals/entities’, insurance companies are mandated to <strong>report</strong>details thereof to the Ministry of Home Affairs (MHA)and <strong>IRDA</strong> and file the Suspicious Transaction Reportwith FIU-IND. On causing investigations, if MHAidentifies that the details of the <strong>report</strong> from insurancecompanies are in fact those relating to designatedindividuals/entities, an order to freeze the insurancecontracts pertaining to those individuals/entities wouldbe issued. The mechanism to unfreeze the contractsinadvertently frozen has also been detailed under theguidelines.I.4.9.6 Insurance companies are required to payspecial attention to business relationships andtransactions with individuals/entities connected withcountries which do not or insufficiently apply the FATFrecommendations.I.4.9.7 The guidelines issued by <strong>IRDA</strong> have beensubject to a thorough evaluation in the assessmentprocess carried out by FATF (Financial Action TaskForce) while considering India’s membership. <strong>IRDA</strong>has been an active participant in the various meetingsof Inter-Ministerial Coordination Committee on CFT/AML, Core Working Group and Financial Sector Sub-Group and has been providing inputs pertaining toinsurance sector on various FATF’s recommendationsand has been involved in the process of finalisationof Mutual Evaluation Questionnaire submitted toFATF.I.4.9.8 India is now a full-fledged member of FATF.<strong>IRDA</strong> was represented at the Amsterdam Plenarywhere the membership was declared. <strong>IRDA</strong> is nowworking towards complying with the commitmentsmade to FATF as part of Action Plan adopted duringthe Plenary at Amsterdam in June 20<strong>10</strong>.4.<strong>10</strong> CROP INSURANCENational Agricultural Insurance Scheme (NAIS)I.4.<strong>10</strong>.1 During <strong>2009</strong>-<strong>10</strong>, Agriculture InsuranceCompany of India (AIC) implemented NAIS in 25States and 2 Union Territories. During the year, there53
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>was a quantum jump in coverage under NAIS, withalmost 24 million farmers insured, who grew crops onover 33.9 million hectares for a sum insured (riskcoverage) of `38,600 crore, earning a premium of`1,150 crore. In terms of the farmers insured, NAIS isthe world’s largest crop insurance programme.Because of unprecedented drought conditions whichprevailed during Kharif <strong>2009</strong> season, the claims<strong>report</strong>ed for <strong>2009</strong>-<strong>10</strong> were expected to be over `5,000crore.I.4.<strong>10</strong>.2 A proposal to introduce a modified version ofNAIS has been approved ‘in principle’ to be piloted in50 districts w.e.f. Rabi 20<strong>10</strong>-11 season. Under theproposed scheme, the key modifications to the existingscheme include:• Reduction of Insurance Unit to Gram Panchayat(3 to 4 villages) level for major crops• Guaranteed yield to be based on average of past7 years, excluding the year(s) in which a naturalcalamity may have been declared by thegovernment• Existing 60 per cent indemnity limit to beupgraded to 70 per cent• Coverage of pre-sowing and post-harvest risks• On-account payment of compensation during theseason upto 25 per cent of likely claims, usingweather index, crop health index, etc.• Individual farm assessment of claims in case oflocalised risks like hailstorm, landslide, etc.• Premium rates to be based on actuarial regimewith up-front subsidy provided by thegovernment, and insurance company would beresponsible for all claims in actuarial regime.Weather InsuranceI.4.<strong>10</strong>.3 The Government of India is piloting WeatherBased Crop Insurance Scheme (WBCIS) in a fewstates as a substitute for National AgriculturalInsurance Scheme (NAIS) since Kharif 2007 toevaluate the strengths and weaknesses of thesemodels. Weather (Rainfall) based crop insurance wasimplemented on a pilot basis in Karnataka duringKharif 2007 season, and subsequently in Bihar,Chhattisgarh, Madhya Pradesh and Rajasthan duringRabi 2007-08 season. The pilot study was extendedto about <strong>10</strong> states during 2008-09, and 14 Statesduring <strong>2009</strong>-<strong>10</strong>. During <strong>2009</strong>-<strong>10</strong>, AIC covered over 2million farmers who grew crops on over 2.7 millionhectares for a sum insured of `4,000 crore, earning apremium of `360 crore. The private insurers who havebeen permitted by the government to participate insuch coverage, implemented the pilot WBCIS in sevenstates, covering 0.24 million farmers who grew cropson over 0.64 million hectares for a sum insured of`850 crore, earning a premium of `93 crore. The pilotWBCIS implemented in the country is the World’slargest weather insurance programme in theagriculture sector. The outlook of WBCIS for 20<strong>10</strong>-11appears bright, as the coverage during Kharif 20<strong>10</strong>alone exceeded the entire coverage of <strong>2009</strong>-<strong>10</strong>.Insurance of Plantation CropsI.4.<strong>10</strong>.4 To mitigate the increasingly uncertainproduction risk of Plantation and Spices Crops, thegovernment of India is considering a proposal ofcomprehensive crop insurance for crops like tea,rubber, tobacco, cardamom, pepper, etc. Meanwhilea pilot coconut palm insurance designed by AIC inassociation with Coconut Development Board (CDB)has been piloted in about 20 districts spread acrossseven states. Insurance proposals for other crops arepresently being examined by the government. AIC hasbeen implementing rainfall based insurance for coffeewith premium subsidy from the Coffee Board, since2007.4.11 MICRO INSURANCEI.4.11.1 In India, more than two-third of the populationlives below poverty line and therefore importance ofmicro insurance is undeniable. Most of the people inthis segment are not only illiterate, their level ofawareness about insurance is also very low. In orderto facilitate penetration of micro insurance to the lowerincome segments, <strong>IRDA</strong> has formulated the MicroInsurance regulations. Micro Insurance Regulations,2005 provides a platform to distribute insuranceproducts which are affordable to the rural and urbanpoor and to enable micro insurance to be an integralpart of the country’s wider insurance system.I.4.11.2 The main thrust of micro insurance regulationsis protection of low income people with affordable54
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>insurance products to help cope with and recover fromcommon risks with standardised popular insuranceproducts adhering to certain levels of cover, premiumand benefit standards. These regulations have allowedNon Government Organisations (NGOs) and Self HelpGroups (SHGs) to act as agents to insurancecompanies in marketing the micro insurance productsand have also allowed both life and non-life insurersto promote combi micro insurance products.Life Insurance SectorI.4.11.3 The total premium income under microinsuranceportfolio for the year <strong>2009</strong>-<strong>10</strong> was `402crore. It nearly doubled from the previous year’spremium income of `206 crore. While LIC contributed94 per cent of the total premium under microinsurance,the remaining 6 per cent was contributedby the private insurers.TABLE 49NEW BUSINESS UNDER MICRO INSURANCE PORTFOLIO FOR <strong>2009</strong>-<strong>10</strong>(Premium in ` lakh)Insurer Individual GroupPolicies Premium Schemes Lives covered PremiumPrivate 998809 839.78 17 1895143 1472.09LIC 1985145 14982.51 5190 14946927 22869.72Total 2983954 15822.29 5207 16842070 24341.81Note: New business premium includes first year premium and single premium.I.4.11.4 With the notification of <strong>IRDA</strong> (micro insurance)Regulations 2005 by the Authority, there has been asteady growth in the design of products catering tothe needs of the poor. The flexibilities provided in theRegulations allow the insurers for composite coversor package products. The insurance companies arenow offering already approved general products asmicro insurance products with the approval of theAuthority, if the sum assured for the product is withinthe range prescribed for micro insurance.I.4.11.5 Fourteen life insurers have so far launched28 micro insurance products. Of those, 15 are forindividuals and the remaining 13 are for groups.(Statement No. 37). Through these various schemes,the life insurance companies have insured 198.26 lakhindividuals during <strong>2009</strong>-<strong>10</strong>.I.4.11.6 As on 1 st April, <strong>2009</strong>, there were 7,250 microinsurance agents with life insurance companies.During the year under review, while 2,380 newindividual agents were added, 954 agents have beenremoved. As such, by the end of March 20<strong>10</strong>, therewere 8,676 individual micro insurance agents in India.TABLE 50MICRO INSURANCE AGENTS OF LIFE INSURERSInsurer As on 1 st April, <strong>2009</strong> Additions Deletions As on 31 st March, 20<strong>10</strong>Private 603 309 142 770LIC 6647 2071 812 7906Total 7250 2380 954 8676I.4.11.7 During <strong>2009</strong>-<strong>10</strong>, insurance companies havereceived a total of 44,016 claims under groupinsurance schemes. Out of which, 43,463 claims wereaccepted and benefits worth `178 crore were paid tothe nominees of policyholders.I.4.11.8 Under individual insurance schemes, a totalof 7,574 claims were received and 7,508 wereaccepted. The total benefits paid were `8.19 crore.55
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>TABLE 51GROUP DEATH CLAIMS UNDER MICRO INSURANCE PORTFOLIO — <strong>2009</strong>-<strong>10</strong>(Benefit Amount in `lakh)Insurer Total Claims Claims paid Claims repudiated Claims pendingPayable as on 31 st March, 20<strong>10</strong>No of Benefit No of Benefit No of Benefit No of BenefitLives Amount Lives Amount Lives Amount Lives AmountPrivate 2354 603.60 2288 579.57 62 23.26 4 0.77(97.20) (96.02) (2.63) (3.85) (0.17) (0.13)LIC 41662 17328.25 41175 17188.61 - - 487 139.64(98.83) (99.19) - - (1.17) (0.81)Total 44016 17931.85 43463 17768.18 62 23.26 491 140.41(98.74) (99.09) (0.14) (0.13) (1.12) (0.78)Note: Figures in brackets show percentage of the respective total claimsTABLE 52INDIVIDUAL DEATH CLAIMS UNDER MICRO INSURANCE PORTFOLIO — <strong>2009</strong>-<strong>10</strong>(Benefit Amount in ` lakh)Insurer Total Claims Claims Claims Claims written Claims pendingPayable paid repudiated back as on31 st March, 20<strong>10</strong>No of Benefit No of Benefit No of Benefit No of Benefit No of BenefitPolicies Amount Policies Amount Policies Amount Policies Amount Policies AmountPrivate 3441 188.31 3406 182.05 28 4.98 0 0.00 7 1.28(98.98) (96.67) (0.81) (2.64) (0.00) (0.00) (0.20) (0.68)LIC 4133 642.92 4<strong>10</strong>2 637.17 25 4.36 1 0.27 5 1.12(99.25) (99.11) (0.60) (0.68) (0.02) (0.04) (0.12) (0.17)Total 7574 831.23 7508 819.22 53 9.34 1 0.27 12 2.40(99.13) (98.55) (0.70) (1.12) (0.01) (0.03) (0.16) (0.29)Note: Figures in brackets show percentage of the respective total claimsDuration wise settlement of claimsI.4.11.9 Life insurance companies have operated withmuch efficiency in settlement of claims under microinsuranceportfolio. While they have settled 98.83 per56cent of individual insurance claims within 30 days ofintimation, the same for group insurance schemes was99.48 per cent. LIC was quicker in settlement of claimsthan private insurers.TABLE 53DURATION-WISE SETTLEMENT OF DEATH CLAIMS IN MICROINSURANCE INDIVIDUAL CATEGORY — <strong>2009</strong>-<strong>10</strong>(No. of Policies)InsurerDurationWithin 30 Days 31 to 90 91 to 180 181 Days More than Total Claimsof Intimation Days Days to 1 Year 1 Year SettledPrivate 3324 49 17 16 0 3406(97.56) (1.44) (0.50) (0.50) (0.00)LIC 4097 0 5 0 0 4<strong>10</strong>2(99.88) (0.00) (0.12) (0.00) (0.00)Total 7421 49 22 16 0 7508(98.83) (0.65) (0.29) (0.23) (0.00)Note: Figures in brackets show percentage of total claims settled.
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>TABLE 54DURATION-WISE SETTLEMENT OF DEATH CLAIMS IN MICRO INSURANCEGROUP CATEGORY — <strong>2009</strong>-<strong>10</strong>(No. of Policies)InsurerDurationWithin 30 Days 31 to 90 91 to 180 181 Days More than Total Claimsof Intimation Days Days to 1 Year 1 Year SettledPrivate 2176 83 22 5 2 2288(95.<strong>10</strong>) (3.63) (0.96) (0.22) (0.09)LIC 4<strong>10</strong>59 116 0 0 0 41175(99.72) (0.28) (0.00) (0.00) (0.00)Total 43235 199 22 5 2 43463(99.48) (0.46) (0.05) (0.01) (0.00)Note: Figures in brackets show percentage of total claims settled.Non-Life Insurance SectorI.4.11.<strong>10</strong> There are a number of products offered byall registered general insurance companies targetinglow income segment of the population. These includeJanata Personal Accident Policy, Gramin PersonalAccident Policy, Cattle/Livestock insurance etc.Further, there are a number of tailor-made/ groupmicro insurance policies offered by private and publicinsurers for the benefit of these segments. Microinsurance being a low-price, high-volume business,its success and sustainability depends mainly onkeeping the transaction costs down.I.4.11.11 Section 32B and 32C of the Insurance Act,1938 and <strong>IRDA</strong> (Obligations of insurers to Rural orSocial Sector) Regulations, 2002 stipulates obligationsto insurers in respect of rural and social sector, whichhave also contributed towards development andpromotion of micro insurance products by insurers inthe country.4.12 DIRECTIONS, ORDERS AND REGULATIONSISSUED BY THE AUTHORITYI.4.12.1 The Authority issued a number of Circulars,Directions and Orders during <strong>2009</strong>-<strong>10</strong>. The list of allsuch Circulars, Directions and Orders are placed atAnnex 8. The Annex covers all such Circulars,Directions and Orders issued during the year under<strong>report</strong> till 30 th September, 20<strong>10</strong>. In addition, the detailsof all Regulations notified by the Authority till30 th September, 20<strong>10</strong> are placed at Annex 9.4.13 RIGHT TO INFORMATION (RTI) ACT, 2005.I.4.13.1 During <strong>2009</strong>-<strong>10</strong>, the Authority nominated thefollowing officers as Public Information Officers (PIO)under the Section 19 (1) of RTI Act, 2005.No. Name of the CPIO Subject related to1 Prabodh Chander Non-Life, Hindi, HealthInsurance, Legal andIntermediaries2 K Subrahmanyam Actuarial3 Kunnel Prem Life Insurance4 A. Giridhar Inspections, ConsumerAffairs, Accounts,Administration,Information Technology,Agents and AgentsTraining InstitutesDr. R Kannan, Member (Actuary) was nominated as AppellateAuthority under Section 19 of the RTI Act. Prior to this, C RMuralidharan was the Appellate Authority till 3 rd November,<strong>2009</strong>.57
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>58
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>PART IIREVIEW OF WORKING AND OPERATIONS1. REGULATION OF INSURANCE ANDREINSURANCE COMPANIESII.1.1 Submission of <strong>report</strong> on performance ofproductsThe Authority has mandated that while filing theproducts under the File and Use procedure, a <strong>report</strong>regarding the performance of the products currentlyin existence in the same class for more than two yearsshall also be filed, certified by the Appointed Actuaryof the insurance company.deficiency is noticed the Board must be informedfor necessary action. In the event of no action/inadequate action, the Authority shall be keptinformed.• The Appointed Actuary has to prepare thefinancial condition <strong>report</strong> of the non-life insurancecompany, and in this context the Regulator willgive necessary guidance very shortly.II.1.3 Submission of compliance <strong>report</strong> forFacultative Reinsurance PlacementsII.1.2 Submission of Financial Viability CertificateRisk based pricing involves availability of a strongdatabase and analysis of the pricing of products, tomeasure the underwriting impact, test the profitabilityof products, etc. Thus, the role of Appointed Actuarieshas to be enhanced significantly so that the non-lifeinsurers are in a position to cope with public demandfor competitively priced non-life products and at thesame time ensure availability of solvency on acontinuous basis. Due importance must also be givento the profit to be generated by each product. Keepingin view all these requirements the following measureshave been initiated:• The Appointed Actuary must be given necessaryinfrastructure in the office of the non-life insurerso that he/she can function effectively and leadthe team members in the actuarial department.• The Appointed Actuary shall be invited for all theBoard Meetings of the non-life insurancecompany.• The Appointed Actuary has to certify that eachproduct is financially viable.• The Appointed Actuary must help the insurer toensure the availability of required solvency of thecompany at all points of time and whereverTABLE 55DETAILS OF INDIVIDUAL AGENTS : LIFE INSURERSIn order to monitor compliance with Regulation 2(f)and 3(8) of <strong>IRDA</strong> (Reinsurance - General Insurance)Regulations, 2000 the Authority has issued directionsrequiring every insurer to submit on half yearly basisconfirmation of compliance with the regulations andto give details of all facultative placements made bythe company within one month from the close of thehalf year.2. INTERMEDIARIES ASSOCIATED WITH THEINSURANCE BUSINESSInsurance AgentsII.2.1 The year <strong>2009</strong>-<strong>10</strong> witnessed a 1.39 per centincrease in the number of individual agents. Thenumber of the agents has gone up from 29.38 lakh ason 1 st April, <strong>2009</strong> to 29.78 lakh as on 31 st March, 20<strong>10</strong>.While the private life insurers <strong>report</strong>ed a decrease of1.07 per cent, LIC showed an increase of 4.31 percent in the number of individual agents. As at31 st March, 20<strong>10</strong>, the number of agents registeredwith LIC stood at 14.03 lakh (13.45 lakh in 2008-09).The corresponding number for private sector insurerswas 15.75 lakh (15.93 lakh in 2008-09). The attritionwas higher in case of private sector insurers at6,42,439 more than two times, as against 2,54,596for LIC.Insurer As on 1 st April, <strong>2009</strong> Additions Deletions As on 31 st March, 20<strong>10</strong>Private 1592579 625336 642439 1575476LIC 1344856 312547 254596 1402807Total 2937435 937883 897035 297828359
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>II.2.2 The turnover of agents continued to be a matterof concern for the industry even in the year <strong>2009</strong>-<strong>10</strong>.While the number of agents appointed was 9.37 lakh,the number of agents terminated was as high as 8.97lakh. The scenario was worse for private insurers ascompared to LIC. The private insurers appointed 6.25lakh agents, while at the same time terminating 6.42lakh agents. On the other hand, LIC terminated 2.54lakh agents while appointing 3.12 lakh agents. Thus,the public sector insurer was a net contributor to theagency force. Such high turnover in the agency forceis a matter of concern, as it could have negativeconsequences for the life insurance industry as awhole. Firstly, it is a huge drain on the financials ofthe insurers who invest considerably in terms of moneyand time on prospecting, appointing and training ofindividual agents. Secondly, the policies procured bythese agents are rendered “orphan” upon terminationof the respective agent, and thereafter often result inlapsation due to absence of servicing support. Thirdly,the image of the profession of agents too suffers asetback since the public in general, and prospectiveagents in particular, perceive it as lacking in stability,thus making it more difficult for insurers to enrolcommitted agents. It is, therefore, in the interest of allstakeholders to work at finding a viable solution toreduce the turnover of individual agents and improvetheir productivity.TABLE 56DETAILS OF CORPORATE AGENTS : LIFE INSURERSInsurer As on 1 st April, <strong>2009</strong> Additions Deletions As on 31 st March, 20<strong>10</strong>Private 2091 686 357 2420LIC 415 167 72 5<strong>10</strong>Total 2506 853 429 2930II.2.3 As on 31 st March, 20<strong>10</strong> the number of corporateagents stood at 2,930. While 853 new corporateagents were added during <strong>2009</strong>-<strong>10</strong>, licences of 429corporate agents were terminated, resulting in a 16.92per cent increase (3.77 per cent in 2008-09) in thenumber of corporate agents over the previous year.II.2.4 It has been observed that the agents are optingfor transfer of their agency licence from one insurancecompany to another company. In such cases, thepolicyholders have been put to inconvenience apartfrom losing the benefits of the policy due todiscontinuance of service. The Authority, in theinterests of policyholders has stepped-in to mandatethat “every insurance company shall make adequatearrangements for servicing of policies” before issuingNo Objection Certificate (NOC) to the concernedagent. Both, the insurers and corporate agents arerequired to inform the policyholders, in writing, aboutthe arrangements made to service their policies aswell as to ensure that they fulfil obligations topolicyholders at the levels prescribed by <strong>IRDA</strong>.CHANNEL-WISE NEW BUSINESS PERFORMANCEIndividual New BusinessII.2.5 For the first time since the opening up of theinsurance sector to private participation, individualagents have held on to their share in the new businesspremium. The share of individual agents in the newbusiness premium, underwritten increased marginallyto 79.61 per cent in <strong>2009</strong>-<strong>10</strong>, as against 79.57 percent in 2008-09.II.2.6 Amongst the other channels, banks increasedtheir share in new business premium from 9.69 percent in 2008-09 to <strong>10</strong>.60 per cent in <strong>2009</strong>-<strong>10</strong>. Theshare of direct selling decreased from 4.76 per centin 2008-09 to 4.13 per cent in <strong>2009</strong>-<strong>10</strong>. While theprivate insurers have procured <strong>10</strong>.73 per cent of theirnew business through the direct selling channel, LICdid not procure any new business through thischannel, and has yet to make in-roads through thischannel of distribution to procure new individualbusiness.II.2.7 The share of corporate agents in the newbusiness premium procured by the private life insurersis significant at 35.16 per cent in <strong>2009</strong>-<strong>10</strong> as comparedto 31.70 per cent in 2008-09. On the other hand, LIChas continued to rely on its agency force, and 97.75per cent of its new business premium is procured byindividual agents.60
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>TABLE 57INDIVIDUAL NEW BUSINESS PERFORMANCE OF LIFE INSURERS FOR <strong>2009</strong>-<strong>10</strong> — CHANNEL WISE(Figures in per cent)Life Insurer Individual Corporate Brokers Direct Total ReferralsAgents Agents Selling IndividualNewBanks Others* BusinessPrivate Total 50.67 24.88 <strong>10</strong>.28 3.44 <strong>10</strong>.73 <strong>10</strong>0.00 7.85LIC # 97.75 1.64 0.52 0.09 0.00 <strong>10</strong>0.00 0.18Industry Total 79.61 <strong>10</strong>.60 4.28 1.38 4.13 <strong>10</strong>0.00 3.13*Any entity other than banks but licenced as a corporate agent.# Does not include its overseas new business premium.Note: 1) New business premium includes first year premium and single premium.2) The leads obtained through referral arrangements have been included in the respective channels.# Does not include its overseas new business premiums.Group New BusinessII.2.8 Direct selling continues to be the dominantchannel of distribution for group business, with amarket share of 89.34 per cent during <strong>2009</strong>-<strong>10</strong> (86.34per cent in 2008-09).II.2.9 While LIC procured 7.44 per cent of the groupbusiness through the traditional individual agencyforce, the private insurers procured only 0.75 per centthrough this channel. The contribution of this channelstood at 12.11 per cent and 0.32 per cent respectivelyfor LIC and the private insurers in 2008-09. Anotherimportant channel for procuring business for theprivate sector insurers has been the banking sector.During <strong>2009</strong>-<strong>10</strong>, bancassurance contributed 8.67 percent of the total group business of the private insurers(as against 9.19 per cent in 2008-09).61
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>TABLE 58GROUP NEW BUSINESS PERFORMANCE OF LIFE INSURERS FOR <strong>2009</strong>-<strong>10</strong> — CHANNEL WISE(Figures in per cent)Life Insurer Individual Corporate Brokers Direct Total ReferralsAgents Agents Selling IndividualNewBanks Others* BusinessPrivate Total 0.75 8.67 4.96 1.88 83.74 <strong>10</strong>0.00 0.62LIC# 7.44 0.06 0.31 1.05 91.15 <strong>10</strong>0.00 -Industry Total 5.81 2.15 1.44 1.25 89.34 <strong>10</strong>0.00 0.15*Any entity other than banks but licenced as a corporate agent.# Does not include its overseas new business premium.Note: 1) New business premium includes first year premium and single premium.2) The leads obtained through referral arrangements have been included in the respective channels.## Does not include its overseas new business premiumIndividual and group businessII.2.<strong>10</strong> Individual agents continue to play a major rolein procuring new insurance business. At the aggregatelevel (individual and group business together) theycontributed 60.91 per cent of the total new business.However, there was a decline in the contribution ofindividual agents from 65.45 per cent in 2008-09.Direct sales, as a channel, had witnessed a noticeablegrowth in underwriting new business, as compared tothe previous year. This mode had contributed 25.73per cent of the total new business in <strong>2009</strong>-<strong>10</strong> ascompared to 21.11 per cent during 2008-09.62
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>TABLE 59NEW BUSINESS PREMIUM (INDIVIDUAL AND GROUP) OF LIFE INSURERS FOR <strong>2009</strong>-<strong>10</strong>— CHANNEL-WISE(Figures in per cent)Life Insurer Individual Corporate Brokers Direct Total ReferralsAgents Agents Selling IndividualNewBanks Others* BusinessPrivate 41.85 22.02 9.34 3.16 23.63 <strong>10</strong>0 6.57LIC# 71.14 1.17 0.46 0.37 26.86 <strong>10</strong>0 0.12Total 60.91 8.46 3.56 1.34 25.73 <strong>10</strong>0 2.37*Any entity other than banks but licenced as a corporate agent.# Does not include its overseas new business premium.Note: 1) New business premium includes first year premium and single premium.2) The leads obtained through referral arrangements have been included in the respective channels.NEW BUSINESS PREMIUM OF LIFE INSURERS(INDIVIDUAL & GROUP)# Does not include its overseas new business premiumSURVEYORS AND LOSS ASSESSORSII.2.11 <strong>IRDA</strong> issues licences to surveyors and lossassessors in terms of Section 64UM of the InsuranceAct, 1938. An individual, a company or a firm wantingto act as a surveyor and loss assessor has to makean application to the Authority in the prescribed formatfor the purpose. The Insurance Surveyors and LossAssessors (Licensing, Professional Requirements andCode of Conduct) Regulations, 2000 lay down theprocess of filing an application for procurement oflicence with <strong>IRDA</strong>.63
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>II.2.12 During the financial year <strong>2009</strong>-<strong>10</strong>, the <strong>IRDA</strong>has enrolled 673 applicants as Trainee Surveyors andhas issued 373 fresh licences to Trainee surveyorson completion of practical training and passing ofrequisite examinations. The <strong>IRDA</strong> has renewed 2,175licences during <strong>2009</strong>-<strong>10</strong> after fulfilment of all theregulatory requirements. Further, for the first quarterof 20<strong>10</strong>-11, 359 renewal licences have been issued.TABLE 60NUMBER OF LICENCES ISSUED TOSURVEYORS AND LOSS ASSESSORSFresh licencesApril <strong>2009</strong> to April 20<strong>10</strong> toMarch 20<strong>10</strong> June 20<strong>10</strong>Individual 335 73Corporate 38 9RenewalsIndividual 2117 341Corporate 58 18Trainee Enrolments 673 178II.2.13 In judicious exercise of the powers and thediscretion vested in the Authority under Section 14(1)of the Insurance Regulatory and DevelopmentAuthority Act, 1999 read with Regulation 9(1) of theRegulations, the Authority vide Order no.<strong>IRDA</strong>/SURV/ORD/LS/153/09/20<strong>10</strong> on 6 th September, 20<strong>10</strong>suspended the licence of Shri Sukumal K Choudharybearing licence no. 2555. The Authority has alsoissued Circular no.27/<strong>IRDA</strong>/SURV/CIR/AUG<strong>10</strong> dated27 th August, 20<strong>10</strong> to all the non-life insurancecompanies on appointment of Surveyors and LossAssessors. The directions issued by the <strong>IRDA</strong> stipulatethat all losses above `20,000, except for those losseswhich are notified by the Central Government in theGazette No.F.51 (15)-INS.I/69 dated 30 th May, 1970,shall be surveyed only by surveyors and lossassessors, who hold a valid licence issued by theAuthority to work as surveyors and loss assessors forsuch category of business as may be specified in thelicence.TABLE 61GRIEVANCES RELATING TO SURVEYORS ANDLOSS ASSESSORSFor the period Received AddressedApril <strong>2009</strong>-March 20<strong>10</strong> 77 77April-June 20<strong>10</strong> 33 333. LITIGATIONS, APPEALS AND COURTPRONOUNCEMENTSII.3.1 The details of the litigation in terms of casesfiled before the Supreme Court, various High Courts,Consumer Courts, Civil Courts, Motor Accidents ClaimTribunal (MACT), Monopolies and Restrictive TradePractices (MRTP) Commission and Lok Adalat, as alsocases disposed/dismissed during the year areprovided below:ParticularsTABLE 62DETAILS OF CASES FILEDNo. of CasesCases filed in the Supreme Court 0Writ Petitions filed in variousHigh Courts 45Writ Appeals/LPA’s filedin various High Courts 5Review/Restoration Petitionsfiled in various High Courts 3Contempt Petitions filed invarious High Courts 1Consumer cases filed 25Civil cases filed 1MACT/MRTP/Lok Adalat cases filed 1TOTAL 81LPA: Letters Patent Appeal64
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>II.3.2 The following Table gives details on the petitions/cases disposed/dismissed during the year:TABLE 63PETITION /CASES DISPOSED/DISMISSEDParticularsNo. of CasesWith Withoutdirections directionsto <strong>IRDA</strong>* to <strong>IRDA</strong>Writ Petitionsdisposed/ dismissed 7 12Writ Appeals / LPA’sdisposed /dismissed 0 3Review / RestorationPetitions disposed /dismissed 1 0Contempt Petitionsdisposed / dismissed 0 1Consumer casesdisposed/ dismissed 0 7Civil casesdisposed/ dismissed 0 2MACT/MRTP/LokAdalat casesdisposed/ dismissed 0 1TOTAL 8 26*(In six cases, <strong>IRDA</strong> was directed to dispose the representationsfiled before it; In one case, <strong>IRDA</strong> was directed to renew thelicence of the petitioner TPA, against which Order, the <strong>IRDA</strong>has filed an appeal; In one case, <strong>IRDA</strong> was permitted towithdraw a letter issued by it rejecting the application ofpetitioner for grant of surveyor licence, with liberty to takedecision in accordance with the law).LPA: Letters Patent AppealSIGNIFICANT ORDERS PASSED DURING <strong>2009</strong>-<strong>10</strong>II.3.3 SLP No. 7598/ of United India Insurance Co.Ltd Vs. Baspa Organics Ltd & Ors before theSupreme Court of IndiaBaspa Organics Ltd., filed a claim before the NationalConsumer Disputes Redressal Commission (NCDRC)against United India Insurance Co Ltd for repudiatingthe fire insurance claim made by them on the groundthat the policy was taken by them for excessive valueand that material facts had been suppressed at thetime of taking the policy. <strong>IRDA</strong> was also impleadedas a party to the petition. The NCDRC rejected thegrounds raised by the insurer and directed them topay an amount of `5,31,71,000 to the policyholderwhich order was challenged by the insurer. In theirdefence, <strong>IRDA</strong> took the plea that it is performingstatutory duties under the <strong>IRDA</strong> Act and does notrender any service for consideration within themeaning of the Consumer Protection Act.Order: The Supreme Court by its order dated11 th May, <strong>2009</strong>, dismissed the petition with theobservation that there were no grounds to interferewith the Order passed by the NCDRC.II.3.4 Case No. 842/08 @ Sripad Commodity &Derivatives P. Ltd. Vs. NIA & Ors before the DistrictConsumer Forum, Hyderabad, APSripad Commodity & Derivatives P. Ltd. filed acomplaint challenging the action of New IndiaAssurance Co. Ltd., in repudiating the claim made bythem under the stock brokers indemnity insurancepolicy, on the ground that the claim did not fall withinthe purview of the policy. <strong>IRDA</strong>, which was impleaded,as a party, took the plea that it is performing statutoryduties under the <strong>IRDA</strong> Act, and does not render anyservice for consideration within the meaning of theConsumer Protection Act, and that it was neither aproper nor necessary party to the said proceedingsand on the said basis sought for the deletion of itsname from the array of parties.Order: The Hon’ble Forum accepted the plea of <strong>IRDA</strong>,and observed that being a statutory body set up byan Act of Parliament, <strong>IRDA</strong> does not charge any feesor receive any consideration for the functionsdischarged by it and hence, the complainant wouldnot be a consumer vis-à-vis <strong>IRDA</strong> and thereafter byits Order dated 9 th October, <strong>2009</strong> dismissed thecomplaint.II.3.5 Suit No. 06/<strong>2009</strong> @ Harish Kumar Vs NIC &Ors before the Tiz Hazari Court, DelhiSuit filed by the plaintiff, the proprietor of M/s NulifeHospital and Maternity Centre, inter alia, challengingthe termination of contract entered into with the TPA,E-Meditek Solutions Ltd., for providing cashlessfacilities to the patients for undergoing treatment athis medical centre, without citing any reasons thereofand had sought for settlement of payment of dues.65
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>Since no reliefs were sought against it, <strong>IRDA</strong> whichhad been impleaded as one of the defendants tookthe plea that it is not concerned with the contractualdisputes between the plaintiff and the TPA and that itis not empowered to resolve or adjudicate the disputesbetween the plaintiff and the defendants 1 and 2 andto this effect had filed a written statement alongwithan application under Order 1 Rule <strong>10</strong>(2) CPC seekingdeletion of its name from the array of parties.Order: While accepting the plea of <strong>IRDA</strong>, the Ld.Judge was pleased to dispose off the said applicationfiled on behalf of <strong>IRDA</strong> and vide Order dated26 th November, <strong>2009</strong> ordered deletion of the name of<strong>IRDA</strong> from the array of parties.II.3.6 W.P. No. 1521/08 @ Hazera Khatun Vs. NIC &Ors in the High Court of GuwahatiThe petitioner challenged the action of NationalInsurance Co. Ltd of repudiating her claim upon thedeath of her husband, stated to be covered under theGroup Personal Insurance Policy taken by GoldenMulti Services Club Ltd. (GMSC) from NIC, insuringall the members of the Club.The claim was repudiated on the ground that it wasnot submitted by GMSC Ltd. within a period of 90 daysfrom the date of the accident. The petitioner submittedthat she had filed her claim form for payment of theassured sum, within the prescribed period i.e., twomonths from the date of accident but that the samewas forwarded by the GMSC to the insurer beyondthe prescribed period.Order: The Court by its Order dated 2 nd March, 20<strong>10</strong>while observing that as the claim was lodged by thepetitioner within the prescribed period and the GMSCLtd., had failed to submit the same to the insurer withinthe agreed period, the insurer ought not to have, inthe absence of any other reason, rejected the claimof the petitioner and on that basis quashed therepudiation of the insurer and directed the insurer tomake payment of such amount(s) due to the petitioner.4. INTERNATIONAL CO-OPERATION ININSURANCEInternational Association of Insurance Supervisors(IAIS)II.4.1 The International Association of InsuranceSupervisors (IAIS) was established in 1994 to promotecooperation among insurance supervisors and otherfinancial sector supervisors. Over the years, themembership has grown and insurance supervisorsfrom over 180 jurisdictions have become member ofthe IAIS. The IAIS has over <strong>10</strong>0 organisations andindividuals representing professional associations,insurance and reinsurance companies, internationalfinancial institutions, consultants and otherprofessionals as observers. This involvement reflectsthe increasing global nature of insurance markets andthe need for consistent supervisory standards andpractices. In addition, it recognises the importantcontribution that strong supervisory regimes makewhich leads to financial stability both within respectivejurisdictions and across markets. The IAIS providesan effective forum for standard-setting andimplementation activities by providing opportunitiesto both practitioners and policy makers to share theirexpertise, experience and understanding.II.4.2 The IAIS’s activities are undertaken with activeguidance of its Executive Committee, which comprisesof 15 voting members elected from different regionsacross the globe and the Chair of the BudgetCommittee who is an ex-officio non-voting member.This is complemented by the Technical Committee,the Implementation Committee and the BudgetCommittee, supported by their working parties. Theday-to-day business and affairs of the IAIS are takencare of by its Secretariat, located at the Bank forInternational Settlements in Basel, Switzerland.II.4.3 The IAIS develops principles, standards andguidance for effective insurance supervisory regimes.In doing so, it acts as a facilitator to establish andmaintain fair and efficient insurance markets for thebenefit and protection of policyholders. The IAIS alsoprepares ‘Issue Papers’ that provide background onspecific areas of interest to insurance supervisors.II.4.4 The IAIS collaborates closely with otherinternational financial institutions; internationalassociations of supervisors; and regulators toparticipate in and contribute to the shaping of financialsystems globally. The IAIS is also one of theconstituting bodies of the Joint Forum and participatesin the activities of its working groups. The IAIS is alsorepresented on the Financial Stability Forum. TheIAIS provides input to the International AccountingStandards Board (IASB) for its work on theInternational Financial Reporting Standards (IFRS)and more particularly on those standards, which arespecifically relevant to the insurance sector. The IAISis a member of the IASB’s Standards Advisory Council66
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>as well as official observer of its Insurance WorkingGroup and Financial Instruments Working Group. Italso has observer status on the Financial Action TaskForce (FATF) which combats money laundering andterrorist financing.II.4.5 The Authority is represented by its Chairmanon the Executive Committee, Technical Committeeand Implementation Committee and various TaskForces constituted by the EC of the IAIS, and by itsMembers on the various sub-committees of IAISlooking into insurance contracts, accounting aspects,insurance laws, reinsurance, financial conglomerates,solvency, frauds, etc. Chairman, <strong>IRDA</strong> heads theImplementation Committee and also ImplementationActivities Approval sub-committee (IAAS). The detailsof various committees /sub-committees on which <strong>IRDA</strong>is represented are given in the Table below:TABLE 64COMMITTEES / SUB-COMMITTEES OF IAIS• Executive Committee• Technical Committee• Implementation Committee• Implementation Activities Approval Subcommittee• Insurance Groups and Cross Sectoral IssuesSubcommittee• Governance and Compliance Subcommittee• Reinsurance & Other Forms of Risk Transfersubcommittee/Reinsurance Mutual RecognitionSub-group• Insurance Frauds Subcommittee• Solvency Subcommittee• Insurance Contracts Subcommittee• Pension Coordination Group• Market Conduct Subcommittee• Micro Insurance Joint Working Group (CGAP)II.4.6 In the aftermath of the global financial crisis,the various committees of the IAIS are particularlyfocussing on issues relating to developing andmaintaining a comprehensive and cohesive set ofsupervisory papers on group-wide supervision ofinsurance activities; and cross-sectoral issues andthese related to the supervision of financialconglomerates. The other area of considerableimportance is the disclosure and transparency ofinformation to policyholders, consumer protection andcoordination between supervisors or other bodiesdealing with various aspects of market conduct ofinsurers and intermediaries.5. PUBLIC GRIEVANCESII.5.1 LIFE INSURERSThe Grievances Cell of the Authority receivesgrievances from the policyholders against insurancecompanies. Such complaints are forwarded to thecompanies for resolution at their end. The insurancecompanies are required to keep the Grievances Cellof <strong>IRDA</strong> informed about the status of respectivegrievances and whether the same have been resolvedor otherwise. As on 31 st March, 20<strong>10</strong>, there were 395complaints pending with the Authority pendingresolution by life insurance companies. During the year<strong>2009</strong>-<strong>10</strong>, the Authority received 2,449 complaints(1,794 in 2008-09), out of which, 606 related to LIC(481 in 2008-09) and 1,843 to private sector insurers(1,313 in 2008-09).TABLE 65STATUS OF GRIEVANCES : LIFE INSURERSInsurer Outstanding Greivances Resolved Outstandingas at Reported during as at31-03-<strong>2009</strong> during <strong>2009</strong>-<strong>10</strong> <strong>2009</strong>-<strong>10</strong> 31-03-20<strong>10</strong>LIC 186 606 642 150PRIVATE 272 1843 1870 245TOTAL 458 2449 2512 39567
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>II.5.2 During <strong>2009</strong>-<strong>10</strong>, the insurance companiesresolved 86.4 per cent of the complaints (83.70 percent in 2008-09). While the private life insurersresolved 88.4 per cent of the complaints registered(83.0 per cent in 2008-09), LIC resolved 81.0 per centof the complaints (84.0 per cent in 2008-09) filedagainst them with the Authority. As on31 st March, 20<strong>10</strong>, 395 complaints are still pending withthe insurance companies, out of which 245 pertain toprivate sector and 150 to LIC.TABLE 66BREAK-UP OF COMPLAINTS LODGED WITH GRIEVANCES CELL(LIFE INSURANCE) DURING <strong>2009</strong>-<strong>10</strong>Sr. No. Nature of Complaints No. of Complaints In per cent1 Wrong plan and term allotted 394 16.12 Mis-sale 186 7.63 Relating to unit linked charges 298 12.24 Non-refund of proposal deposit 64 2.65 Non-receipt of policy bond 217 8.96 Free-look Refund <strong>10</strong>0 4.17 Cancellation of policy 294 12.08 Error in policy schedule 38 1.69 Issue of duplicate policy 4 0.2<strong>10</strong> Adjustment of premium 129 5.311 Alterations in policy 94 3.812 Revival of lapsed policies 65 2.713 Nomination/Assignment of policies 5 0.214 Transfer of policy records 13 0.515 Non-receipt of statement of account/bonus 22 0.916 Non-payment of surrender value 48 2.017 Non-settlement of maturity payment 66 2.718 Correct surrender value not paid <strong>10</strong>5 4.319 Non-payment of claim 128 5.220 Repudiation of claim 35 1.421 Non-payment of annuities 39 1.622 Survival benefit not paid 11 0.423 Claim amount not correct 6 0.224 Partial withdrawal related 6 0.225 Penal interest not paid <strong>10</strong> 0.426 Health Insurance related 29 1.227 NAV related 14 0.628 Others 29 1.2Total 2449 <strong>10</strong>0.068
II.5.3 An analysis of the complaints lodged with theLife Insurance Grievance Cell in <strong>2009</strong>-<strong>10</strong> has revealedthat major causes of grievances of the policyholdersANNUAL REPORT <strong>2009</strong>-<strong>10</strong>TABLE 67STATUS OF GRIEVANCES - LIFE INSURERS(APRIL - JUNE 20<strong>10</strong>)are wrong plan and term allotted (16.1 per cent),relating to unit linked charges (12.2 per cent) andcancellation of policy (12.0 per cent).Insurer Outstanding Grievances Resolved Outstandingas on Reported During as on31.3.20<strong>10</strong> during April to April to June 20<strong>10</strong> 30.06.20<strong>10</strong>June 20<strong>10</strong>LIC 150 246 141 255Private 245 662 152 755Total 395 908 293 <strong>10</strong><strong>10</strong>II.5.4 During the first quarter of current financial year,the Grievance Cell has received 908 complaints. Alongwith the complaints outstanding as on 31 st March 20<strong>10</strong>,the Grievances Cell had 1,303 complaints to resolve.As only 293 complaints were resolved during thisquarter, there were 1,0<strong>10</strong> complaints outstanding forresolution.II.5.6 As on 31 st March, 20<strong>10</strong>, a total of 556 complaintswere outstanding against non-life insurancecompanies. Of the pending grievances, 33.27 per centwere on policy related issues, 43.71 per cent relatedto non-settlement / delay in settlement of complaints,and 18.53 per cent related to repudiation / partialsettlement of claims.Non-Life InsurersII.5.5 The non-life insurance companies resolved79.63 per cent of the complaints outstanding andreceived during the year. The private non-lifeinsurance companies resolved 89.47 per cent of thecomplaints registered and public non-life insurancecompanies resolved 71.61 per cent of the complaintsfiled against them with the Authority. As on31 st March, 20<strong>10</strong>, 556 complaints were still pendingwith the insurance companies for resolution, out ofwhich 129 pertained to private sector and 427pertained to public sector non-life insurancecompanies.69II.5.7 <strong>IRDA</strong> has registered 684 complaints during thefirst quarter of the current financial year 20<strong>10</strong>-11. Ofthese, 373 relate to public sector non-life insurancecompanies, while the remaining 311 are against theprivate sector companies. The public sectorcompanies resolved 127 (15.88 per cent) complaints,while private insurers resolved 161 (36.60 per cent)complaints and overall 288 (23.23 per cent) complaintswere resolved during the first quarter. As on30 th June, 20<strong>10</strong>, 952 complaints were pending withthe insurers. These are being actively followed up bythe Grievance Cell.TABLE 68STATUS OF GRIEVANCES - NON LIFE INSURERS DURING <strong>2009</strong>-<strong>10</strong>Insurer Outstanding Grievances Resolved Outstanding Break-up of outstanding grievancesas on Reported during as on according to nature31.03.<strong>2009</strong> during <strong>2009</strong>-<strong>10</strong> <strong>2009</strong>-<strong>10</strong> 31.03.20<strong>10</strong>A B C DPublic 443 <strong>10</strong>61 <strong>10</strong>77 427 126 198 81 22(71.61)Private 2<strong>10</strong> <strong>10</strong>15 <strong>10</strong>96 129 59 45 22 3(89.47)Total 653 2076 2173 556 185 243 <strong>10</strong>3 25(79.63) (33.27) (43.71) (18.53) (4.50)Note: Figures in brackets are percentage of the grievances resolved during the year.A: Policy related issues C: Repudiation / partial settlement of claimB: Non-settlement / Delay in settlement of claims D: Other reasons
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>TABLE 69STATUS OF GRIEVANCES - NON-LIFE INSURERS(APRIL - JUNE 20<strong>10</strong>)Insurer Outstanding Grievances Resolved Outstandingas on Reported During as on31.3.20<strong>10</strong> during April to June 20<strong>10</strong> 30.06.20<strong>10</strong>April to June 20<strong>10</strong>Public 427 373 127 673(15.88)Private 129 311 161 279(36.60)Total 556 684 288 952(23.23)Note: Figures in brackets are percentage of the grievances resolved during April to June 20<strong>10</strong>.6. INSURANCE ASSOCIATION AND INSURANCECOUNCILSLIFE INSURANCE COUNCILII.6.1 The Life Insurance Council is a body set upunder section 64C of the Insurance Act, 1938. All lifeinsurers who have been granted certificate ofregistration by <strong>IRDA</strong>, are members of the Council andare represented by their respective CEOs. The Councilhas two nominee members from the <strong>IRDA</strong>, one ofwhom is the Chairman of the Council. The SecretaryGeneral functions as the Chief Executive of theCouncil. During <strong>2009</strong>-<strong>10</strong>, the Council met six times.The Council carries out it consultative work throughthe standing sub-committees. In addition, as and whenspecific areas of work are taken up, ‘working groups’are constituted, to discuss and address emergingissues from time to time. The committee-basedapproach ensures participation by and valuablecontribution from a wide cross-section of seniorexecutives from the industry in very diverse areas ofoperations of life insurance.The details of the various activities taken up by theLife Insurance Council during <strong>2009</strong>-<strong>10</strong> are indicatedbelow:II.6.2 The sub-committee of Chief Financial Officers(CFOs) met three times during the year. Theirmeetings were focused on various issues relating topre-budget memorandum for the Union Budget20<strong>10</strong>-11, Service Tax exemption, New Direct TaxCode and IFRS. This Committee actively heldconsultations through a series of core group meetingto finalise the recommendations of the life industry onthe proposed Direct Tax Code. A core group of CFOsheaded by the Secretary General of the Life Councilmet senior officials of <strong>IRDA</strong> in December <strong>2009</strong> to seekclarifications on the Disclosure Requirementsstipulated by the Authority for the life insuranceindustry.II.6.3 The Human Resources and AdministrationCommittee was re-constituted during <strong>2009</strong>-<strong>10</strong>. TheCommittee met twice during the year. Besidesfinalising the appraisal system for the employees ofthe life Council; the committee deliberated on thecreation of a database of terminated employees forreasons other than their non-performance. Thecommittee also deliberated on the idea of preparing acommon curriculum for the insurance industry withendorsement from an authorised credible entity.II.6.4 The Statistical Data sub-committee met formallytwice in <strong>2009</strong>-<strong>10</strong>. The sub-committee has taken upfurther work on examining the various data points andadditional requirements of data availability by variousstakeholders including the industry, regulator andpublic. The collection and publication of data is sharedwith the media with a view to improving awarenessabout the performance of the life insurance industry.II.6.5 The Legal and Compliance sub-committee metthree times during <strong>2009</strong>-<strong>10</strong>. Several importantrecommendations were made by the committee ontopics like corporate governance, demat of life policies,combi products, etc.70
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>II.6.6 The Underwriting sub-committee wasreconstituted in <strong>2009</strong>-<strong>10</strong>. The committee met twiceduring the year. The committee deliberated on thechanges required in the Declined Lives Database(DLD). The committee also decided to prepare adetailed roadmap on the approach to be adopted bylife insurance industry towards the medical centres /doctors who are removed from the approved list of aparticular company.II.6.7 Life Insurance awareness sub-committee metfour times during the year. The sub-committeeorganised two press meets in November <strong>2009</strong> atLucknow and in March, 20<strong>10</strong> at Ahmedabad to createawareness about the importance of life insurance.These events were widely covered by the print andelectronic media in tier II cities. The CEO roundtablewas also held in Delhi on 24 th June, <strong>2009</strong>.II.6.8 A major achievement for the life insuranceindustry was exemption from service tax in case of allULIP charges other than fund management charges.This announcement was made by the Hon. FinanceMinister while presenting the Union Budget 20<strong>10</strong>. Thiswas a big relief to the life industry.II.6.9 Life Council held a workshop on Goods andServices Tax (GST) in December <strong>2009</strong>. The workshopwas attended by the CEOs and CFOs from the lifeinsurance industry. Ernst & Young conducted theworkshop. The Life Council is actively engaged withE&Y in preparing a final representation on thesuggested model of GST for life insurance industry.II.6.<strong>10</strong> The Council’s website continues to carry thestatistical data, latest news and other information.Various new parameters have been included in thequarterly statistical data which has been appreciatedby both the media and the industry. The number ofhits from different geographies – national andinternational increased significantly after up-gradationof the website’s design and interlinking it with websitesof <strong>IRDA</strong>, insurance Ombudsman and all life insurers.The feedback/query/grievance forwarding mechanismhas been modified and the same continues to bemanaged by the Secretariat of the Life Council.The Life Council represented to <strong>IRDA</strong> on the followingmatters during <strong>2009</strong>-<strong>10</strong>.II.6.11 Electronic issuance of life insurance policies.The recommendations were finalised after lot ofdeliberations and discussions among the councilmembers. The legal opinion on electronic issuancewas also sought by the Life Council and submitted to<strong>IRDA</strong> along with the recommendations of the industrycovering the following broad areas:• Insurance of persons with disabilities.• Compulsory cession of life business to GeneralInsurance Corporation (GIC).• Public Disclosures of life companies.• Introduction of UID (Unique Identification).• Relaxation from exposure norms as prescribedunder <strong>IRDA</strong> Investment (Fourth Amendment)Regulations, 2008.• Exemption from Rule 17D of the Insurance Rules,1939 for financial year 2008-09.II.6.12 In addition to <strong>IRDA</strong>, the Life Council made arepresentation on draft Direct Tax Code to JointSecretary, Tax Planning and Ministry of Finance inthe month of September <strong>2009</strong> to present the views oflife insurance industry. The meeting was also attendedby the Joint Secretary, Insurance and Pension division,Ministry of Finance, representatives from <strong>IRDA</strong> andthe representatives of the life insurance industry.II.6.13 Secretary General represented the lifeinsurance Council at various events in <strong>2009</strong>-<strong>10</strong>including the FICCI’s 13 th Conference on Insurance -the Session on ‘Life Insurance 2020’, IIC conferenceon insurance business (Jaipuria Institute ofManagement, Lucknow) and Intensive Programme onHealth Insurance conducted by Prof Howard J Bolnick,etc. The Secretary General was also invited in variousrespectable events such as NDTV India show - MoneyMantra, etc.II.6.14 The Council is actively involved at variousmeetings and conferences organised by the CII,FICCI, ASSOCHAM, NIA, and other similar bodies.II.6.15 The database of terminated agents whoseservices were terminated for reasons other thannon-performance continues to grow in number andusage.71
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>GENERAL INSURANCE COUNCILII.6.16 During <strong>2009</strong>-<strong>10</strong> with the induction of SBIGeneral Insurance Co. Ltd. and Max Bupa HealthInsurance Co. Ltd., the membership of the GeneralInsurance Council increased to 23.II.6.17 The Executive Committee of the Councilcomprises, apart from the nominees of <strong>IRDA</strong> viz.Member (Non-life) as Chairman of the Council andExecutive Director (Non-life), the Secretary General,and the Chief Executive Officers of all non-lifeinsurance companies, who have been grantedcertificate of registration by <strong>IRDA</strong>.II.6.18 During <strong>2009</strong>-<strong>10</strong>, six meetings of the ExecutiveCommittee of the Council were held. In addition, theCouncil organised meetings of the UnderwritingExecutives, Heads of Health Insurance Departments,CFOs, and other Senior Executives of themember-companies. In addition, the SecretaryGeneral represented the non-life insurance industryat various conferences, seminars, meetings of variousforums like FICCI, BCCI, CII, ASSOCHAM, PRESSMeets and other public initiatives in different citiesacross the country and on the various Committeesconstituted by <strong>IRDA</strong>. The Secretary General has alsorepresented the industry’s viewpoint and opinion onvarious matters referred to the council by differentministries like Ministry of Finance (Insurance Division),Ministry of Transport and Ministry of Finance (RevenueDivision) and by the Central Board of Direct Taxes(CBDT) officials.II.6.19 In pursuance of the functions of GeneralInsurance Council, the following initiatives wereundertaken and activities were conducted during theyear with regard to technical, legislative andregulatory, administrative, and accounts and taxationissues.TechnicalHealthII.6.20 A common portable product has beendeveloped by the Council’s committee andrecommended to <strong>IRDA</strong>. A set of standard formats havealso been developed to facilitate implementation ofthe portable product, subject to approval by <strong>IRDA</strong>.These formats comprise of standard• Product Brochure;• Proposal forms;• Policy wordings and schedules;• Definition of key terms;• Claims forms; and• Renewal notice format.II.6.21 The Council provided its views to the <strong>IRDA</strong> on(i) the concept of ‘Health plus Life combi products’leading to regulations allowing Health plus Life combiproducts to be offered in the market; (ii) Senior CitizensPolicy regulations; and (iii) Introduction of Free-lookperiod in health insurance.II.6.22 The matter related to parity between life andnon-life insurance companies in health insuranceportfolio was also pursued with <strong>IRDA</strong>.MotorII.6.23 The Superdari Case was pursued in theSupreme Court of India. Personal delivery of noticesby the officers of the General Insurance Council toPolice Authorities across the country not only speededup the process of hearing in the Court but also resultedin issuance of Government Order by a few states inline with the issues raised by the Council in its petition.This was later used to bolster the case for obtaining afavourable judgment which should result in timelyaction on recovery and disposal of stolen vehicles,thereby resulting in savings of several hundred crorerupees for the industry.II.6.24 The concept paper on ‘issuance of one pagepolicy in Motor insurance’ was submitted to <strong>IRDA</strong>,which was subsequently approved by the Authority.The issuance of policy without attaching terms andconditions would result in improvement of policyissuing process and also result in savings on accountof document printing and paper costs to the tune ofseveral crores rupees for the non-life industry.II.6.25 A project for developing long term Third PartyLiability rates for two wheelers was initiated. AnActuary was appointed for this purpose. The supportoffered by ICICI Lombard was enlisted to help theconsulting actuary with hardware, software and humanresources in processing and analysing the relevantdata.II.6.26 The Concept of Motor Insurance Bureau (MIB)was developed, deliberated upon and subsequentlyapproved by the Council. A committee was formed to72
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>identify technology stack and select a vendor forbuilding the MIB. The committee selected TataConsultancy Services as a vendor for the purpose.Subsequently, the matter was discussed with the <strong>IRDA</strong>and it was decided that the entire project would bedone under the aegis of Insurance Information Bureau(IIB) and the MIB concept would be extended to coverall lines of business. The project was commissionedby the Council with financial and infrastructural supportfrom <strong>IRDA</strong>. The creation of centralised datawarehousing, querying and <strong>report</strong>ing systems is amajor step in bridging the information gap prevailingin the industry and in supporting macro level as wellas operational informational needs. The Bureaushould benefit the industry at large in times to come.II.6.27 The process of discussions with thetransporters was actively pursued with the aid ofstatistics developed from the transactional level datacompiled by <strong>IRDA</strong>. Efforts were also made to impressupon transporters to take a logical approach to pricingof the third party liability portfolio. In this regard,statistics related to road accident injuries and deathswere analysed to explain the extent of potential claimsarising on their account. The impact of insurancepricing on transport business economics was also putin perspective to assuage the concerns of transportbodies.Indian Motor Third Party Insurance Pool (IMTPIP)II.6.28 A reduction was obtained in the PoolAdministrator’s fees to 1.25 per cent of the PoolPremium resulting in savings of `35 crore to theindustry.II.6.29 The proposal to permit retention of pool fundswith the respective insurance companies wasaccepted by <strong>IRDA</strong>. This is expected to improve cashflows, yield from investment income and financialresults of the industry participants.OthersII.6.30 The project for sharing of data on losses over`50 lakh in Fire, Engineering and Marine Portfoliosamongst the companies is under implementation.II.6.31 In line with International best practices, thegeneral insurance market has adopted the revisedInstitute Cargo Clauses (ICC) clauses in MarineInsurance.Legislative and RegulatoryII.6.32 The Council provided its views in various matterincluding the following:• The insurance Industry’s comments /observations were furnished to <strong>IRDA</strong>/Ministry on(i) Bill on Amendments to Insurance Act, 1938,and (ii) Bill on Amendments to Motor VehiclesAct, 1988.• Writing Third Party risks on Quota Basis.• Public disclosures to be made by the non-lifeinsurance companies.• Future Role of the IIISLA.• Integrated Grievance Management System forthe industry.• The Council sought revision in policy wordingsregarding coverage of occupants in a private carand pillion rider on a two wheeler, Thesesubmissions were made to <strong>IRDA</strong>, to ensure clarityin the coverage, following the orders of Delhi HighCourt. The related revisions are also being soughtby the industry in the Third Party proposal form.AdministrativeII.6.33 The various administrative steps taken by theGeneral Insurance Council include the following:• Exemption to general insurance companies fromcomplying with the limits of expenses undersection 40C (1) of the Insurance Act, 1938 readwith Rule 17E of the Insurance Rules,1939 hasbeen sought.• Representation was made to <strong>IRDA</strong> on themanner of calculation of Solvency Margin of nonlifeinsurers.• The <strong>IRDA</strong> has been requested to increase theself survey limit from the existing `20,000 to`2,00,000• The discretion to insurers for categorisation ofsurveyors was requested and granted by <strong>IRDA</strong>.• Mechanisms to improve co-insurancesettlements have been initiated. However,additional efforts are required to be made by theinsurance companies to increase theeffectiveness of this process.73
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>• Dissemination of industry figures on Flash GrossDirect Premium and Segment wise break-up ofthe premium data has been initiated. This isensured by the 1 st and 2 nd week of every monthrespectively, for the statistics pertaining to thepreceding month.Accounts and TaxationII.6.34 The various initiatives taken during <strong>2009</strong>-<strong>10</strong>on matters relating to accounts and taxation of generalinsurance companies included the following:• Issue of TDS on Reinsurance Premium wastaken up with the concerned authorities. Theseefforts were supplemented by professionaladvice from Ernst & Young.• Industry’s Proposals for Union Budget 2011-12.• Industry’s views on Direct Tax Code (DTC) werepresented of the officials of Ministry of Revenue.Professional advice in the matter was taken fromPrice Waterhouse Coopers.• Industry’s views on Taxation of unrealised gainsin case of investments of insurance companies.The Finance Bill, 20<strong>10</strong> has clarified this issue,which would result in tax savings of around`200 crore.• Industry’s views on International FinancialReporting Standards (IFRS) have beenrepresented and further discussions have takenplace with <strong>IRDA</strong>.OthersII.6.35 Participation in various initiatives organisedby multi stakeholder industry forums.7. FUNCTIONING OF OMBUDSMENII.7.1 During <strong>2009</strong>-<strong>10</strong>, the twelve Ombudsmen centresspread across India received a total of 16,064complaints. While 8,967 complaints (56 per cent)pertained to life insurers, the remaining 7,097 (44 percent) related to non-life insurers. This was in additionto 1,395 complaints pending with various offices ofOmbudsmen as at the end of March <strong>2009</strong>. With this,the offices of Ombudsmen handled a total of 17,459cases during <strong>2009</strong>-<strong>10</strong>.II.7.2 During <strong>2009</strong>-<strong>10</strong>, Ombudsmen disposed of15,190 complaints. Of these complaints, Ombudsmendeclared two-third of the complaints asNon-Acceptable/Not-Entertainable. Awards/Recommendations were issued only for twenty-oneper cent of total complaints. Other than this, six percent of the complaints were withdrawn, while eightper cent of the complaints were dismissed.• Industry’s views on Taxation of Capital gainswere represented. This was aided by professionalopinion and support provided by Ernst & Young.74II.7.3 At the end of March 20<strong>10</strong>, 2,269 cases werestill pending with Ombudsmen for adjudication.TABLE 70DISPOSAL OF COMPLAINTS BY OMBUSDSMEN DURING <strong>2009</strong>-<strong>10</strong>Insurer Complaints Complaints Complaints No. of complaints disposed Complaintso/s as received Total disposed by way of o/s as onon 31.3.<strong>2009</strong> during during 31.03.20<strong>10</strong><strong>2009</strong>-<strong>10</strong> <strong>2009</strong>-<strong>10</strong>(I) (II) (III) (IV)LIFE 557 8967 9524 8636 1209 481 572 6374 888(14.00) (5.57) (6.62) (73.81)NON-LIFE 838 7097 7935 6554 1947 470 700 3437 1381(29.71) (7.17) (<strong>10</strong>.68) (52.44)COMBINED 1395 16064 17459 15190 3156 951 1272 9811 2269(20.78) (6.26) (8.37) (64.59)Notes:(I) Recommendations / Awards (III) Dismissal(II) Withdrawal / Settlement (IV) Non-acceptance / Not-entertainableFigures in brackets indicate percentages to the respective complaints disposed.
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>PART IIISTATUTORY AND DEVELOPMENTAL FUNCTIONS OF THE AUTHORITYSection 14 of the Insurance Regulatory andDevelopment Authority Act, 1999 (<strong>IRDA</strong> Act) laysdown the duty of the Authority to regulate, promoteand ensure orderly growth of the insurance businessand reinsurance business. Sub-section (2) of the saidsection lays down the powers and functions of theAuthority. Chapter III of the Annual Report covers theactivities of the Authority in <strong>2009</strong>-<strong>10</strong> while carryingout its functions and exercising the powers conferredon it.1. Issue to the applicant a certificate of registration,renew, modify, withdraw, suspend or cancel suchregistration.III.1.1 During <strong>2009</strong>-<strong>10</strong>, the Authority granted certificateof registration to SBI General Insurance Co. Ltd. tounderwrite general insurance business. Max BupaHealth Insurance Co. Ltd. was granted certificate ofregistration as a standalone health insurancecompany. The Authority also granted certificate ofregistration to IndiaFirst Life Insurance Co. Ltd., tounderwrite life insurance business. With theregistration of these companies, the total number oflife insurers registered with the Authority has gone upto 23. The number of general insurers too stood at 23as on 31 st March, 20<strong>10</strong>. In addition to the above, thereis one national reinsurer. The certificates of registrationissued earlier to all the existing life and non-lifeinsurance companies have been renewed in terms ofSection 3A of the Insurance Act, 1938.III.1.2 The Authority levied penalty on two generalinsurance companies, one health insurance companyand two life insurance companies for non-compliancewith various regulatory stipulations during <strong>2009</strong>-<strong>10</strong>.These non-compliances pertained to provisions ofSections 32B and 32C of the Insurance Act, 1938.The General Insurance Corporation was penalised fornon-compliance with the Investment Regulations.TABLE 71PENALTY LEVIED ON INSURERS (1 ST APRIL, <strong>2009</strong> TO 31 ST MARCH, 20<strong>10</strong>)Sl. No. Name of the Amount of Brief particular ofInsurance Company Penalty (Date) the violation committed1 HDFC Ergo General `5 lakh Failure to comply with its rural sector obligations(24-06-<strong>2009</strong>) under Section 32B during 2007-08.2 Reliance General `20 lakh Penalty charged under section <strong>10</strong>5B for violation of(23-07-<strong>2009</strong>) <strong>IRDA</strong>’s regulations and guidelines.3 Apollo Munich Health `<strong>10</strong> lakh For non compliance to rural and social sector(07-01-20<strong>10</strong>) obligations during 2008-09 under section 32B and 32C4 Life Insurance `5 lakh Failure to comply with its obligations towards ruralCorporation of India (07-01-20<strong>10</strong>) sector under section 32B during 2008-09.5 HDFC Standard Life `5 lakh Failure to comply with its obligations towards rural(07-01-20<strong>10</strong>) sector under section 32B during 2008-09.6. General Insurance `5 lakh Failure to comply with the investment regulationsCorporation (01-02-20<strong>10</strong>) under Section <strong>10</strong>4 during <strong>2009</strong>-<strong>10</strong>.75
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>2. Protection of the interests of policyholders inmatters concerning assigning of policy, nominationby policyholders, insurable interest, settlement ofinsurance claim, surrender value of policy andother terms and conditions of contracts ofinsurance.III.2.1 <strong>IRDA</strong> has brought out regulations providing forvarious do’s and don’ts for insurers and intermediariesat the point of sale, point of claim, etc. Timeframeshave been set for servicing policyholders under theRegulations. Further, the Regulations mandateinsurers to have in place an effective mechanism forredressal of policyholder grievances. <strong>IRDA</strong> has setup a “Grievances Cell” for policyholders of life andnon-life insurance companies and a separate channelfor senior citizens for expressing their grievances withregard to health insurance policies. Apart from playinga facilitative role in helping policyholders getting theirgrievances redressed by insurers within the stipulatedtime, <strong>IRDA</strong> examines on a continuous basis theunderlying issues that cause grievances and workstowards rectifying the systemic issues involved.3. Specifying requisite qualifications, code ofconduct and practical training for intermediariesor insurance intermediaries and agentsIII.3.1 The licensing and code of conduct for all theintermediaries in the insurance business are specifiedclearly in the regulations framed under the <strong>IRDA</strong> Act,1999 vide Insurance Surveyors and Loss Assessors(Licensing, professional requirements and code ofconduct) Regulations, 2000, <strong>IRDA</strong> (Insurance Brokers)Regulations, 2002, <strong>IRDA</strong> (Licensing of InsuranceAgents) Regulations, 2000 and <strong>IRDA</strong> (Licensing ofCorporate Agents) Regulations, 2002.III.3.2 During <strong>2009</strong>-<strong>10</strong>, the Authority issued guidelineson qualifications of corporate insurance executivesand Faculty of Agent’s training Institutes.III.3.3 The Authority has issued directions on agents/corporate agents; sharing of Database for Distributionof Insurance Products; streamlining the procedure fortransfer of corporate agents from one insurer toanother insurer; inspection of corporate agents byinsurers; and on pre-recruitment examination forinsurance agents.4. Specifying the code of conduct for surveyorsand loss assessorsIII.4.1 The code of conduct regarding the professionaland ethical requirements for conduct of theirprofessional work is specified in Chapter VI of the<strong>IRDA</strong> Regulations for Surveyors and Loss Assessors,2000. Regulation 15 elaborates on the code which,inter alia, stipulates that a surveyor and loss assessorshall behave ethically and with integrity in professionalpursuits, shall strive for objectivity in professional andbusiness judgment, act impartially when acting oninstructions from an insurer in relation to apolicyholder’s claim under a policy issued by thatinsurer, conduct himself with courtesy andconsideration to all people with whom he comes intocontact during the course of his work, etc. The codeof conduct also states that a surveyor 1) shall notaccept or perform work which he is not competent toundertake; 2) carry out his professional work with duediligence, care and skill and with proper regard totechnical and professional practice; 3) at all timesmaintain proper record of work done by him andcomply with all the relevant laws; 4) assist andencourage his colleagues to obtain professionalqualifications, and in this behalf, provide freearticleship and/or practical training for a period oftwelve months; 5) maintain a register of survey workas provided for; 6) disclose to all parties concerninghis appointment where the acceptance or continuanceof such an engagement may materially prejudice, orcould be seen to materially affect the interests of anyinterested party; 7) not disclose any informationpertaining to a client or employer or policyholderacquired in the course of his professional work to anythird party without the necessary consent; and 8)cannot use or appear to use any confidentialinformation acquired or received by him in the courseof his professional work, to his personal advantage orto the advantage of a third party.III.4.2 The <strong>IRDA</strong>, as mandated by the Government ofIndia, has established the Indian Institute of InsuranceSurveyors and Loss Assessors (IIISLA) to promoteprofessionalism amongst surveyors as part of furtherreforms in the insurance sector.III.4.3 With a view to streamlining the process ofworking of surveyors and loss Assessors, the Authorityhas proposed to make further amendments to the76
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>existing Regulations, Circulars and Notices stipulatingas under:• Mandatory training and examination of surveyorsfor up-gradation to be conducted by IIISLA;• Trainee Surveyors are to be trained by thoseSLAs who are Fellow/Associate member of theInstitute and enrolment of trainee surveyors by<strong>IRDA</strong> to be subject to submission of Certificatefrom trainer surveyor duly validated by IIISLA;• Categorisation to be replaced by three tier systemof membership (Licentiate, Associate and Fellow).III.4.4 Further, the Authority is actively consideringmandatory membership as a pre-condition forlicensing of Member Surveyors. Another proposalunder consideration is the revision in IIISLA admissionand membership fees. In addition, the Authority is alsoconsidering allowing the insured to exercise the optionto appoint/depute surveyors to assess losses.5. Promoting efficiency in the conduct of insurancebusinessIII.5.1 The Authority has directed insurancecompanies to have proper systems in place to improveefficiency in conducting the insurance business andin this regard it has issued various circulars andguidelines during <strong>2009</strong>-<strong>10</strong>. The Authority has alsodisseminated vital information required by the industryfor promoting efficiency in their operation. Furtherinitiatives in this direction included the following:III.5.2 Corporate Governance Guidelines: With a viewto bringing insurance companies at par with listedentities, the Authority issued Corporate GovernanceGuidelines for the insurance sector. All insurers weredirected to put in place systems to ensure that theywere compliant with the guidelines w.e.f.1 st April, 20<strong>10</strong>.III.5.3 E-Payment Method: Recognising the utility ofelectronic payments, which also ensures safety andspeed of such payments, the Authority decided topermit payments to all policyholders and beneficiariesthrough electronic payment methods such asElectronic Clearing Services (ECS), NationalElectronic Fund Transfer (NEFT) systems as approvedby the Reserve Bank of India, in addition to accountpayee cheques as stipulated under the AML/CFTGuidelines issued by the Authority. Through thesedirections, the Authority has expanded the mode ofpayments permitted to the insurance companies whichtill July <strong>2009</strong> was limited to account payee cheques.III.5.4 Investment Risk Management Systems &Processes: Effective September, <strong>2009</strong>, all insurershaving Assets Under Management (AUM) i.e.,‘shareholders and policyholders’ funds taken together,of not more than `1,000 crore are required to havetheir transactions and related systems internallyaudited on a quarterly basis and if the AUM are equalor more than `1,000 crore, the insurers are requiredto have the Investment transactions concurrentlyaudited.III.5.5 Applicant companies while filing for registrationeffective August, <strong>2009</strong>, are required to furnish detailsof the level of preparedness of the applicant companyto comply with the requirements stipulated on“Investment Risk Management Systems andProcesses”. Existing insurers are also required tohave their systems and processes audited at leastonce in three years for such compliance.6. Promoting and regulating professionalorganisations connected with insurance andreinsurance businessIII.6.1 The Life Insurance Council and the GeneralInsurance Council are the platforms available for thehealthy growth of the industry. Development of theseself regulatory bodies augurs well for the industry toput across their viewpoints on critical areas for thegrowth of the industry. In the same context, brokerslicensed by the Authority are necessarily required tobe members of the Insurance Brokers Association ofIndia (IBA).III.6.2 The Authority has also recognised the need tohave reliable, timely and accurate data for the efficientfunctioning of the insurance companies and also inthe interest of the policyholders. To process theavailable data and disseminate it for the benefit of thevarious stakeholders, the Authority on 15 th October,<strong>2009</strong>, has constituted the Insurance InformationBureau in the form of an Advisory Board to obtain,process and disseminate the data of the insurers.77
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>7. Levying fees and other charges for carrying outthe purposes of the ActIII.7.1 The Authority in terms of powers vested bySection 3 of the Insurance Act levies both registrationand renewal fees from the insurers and variousintermediaries associated with the insurance business.However, registration fee of `50,000 is charged at thetime of granting of registration certificate and notthereafter. The renewal of registration fees forinsurance companies stands at 1/<strong>10</strong> th of 1 per cent ofthe gross direct business written in India or `50,000,whichever is higher subject to a maximum of `5 Crore.In case of the reinsurer, the fee is chargeable basedon the facultative business written by the reinsurer inIndia. This follows amendment of regulation 20 of <strong>IRDA</strong>(Registration of Indian Insurance Companies)Regulations, 2000, issued in February 2003 afterobtaining the approval of Insurance AdvisoryCommittee. There has been no revision in thesecharges post the amendments in February 2003.8. Calling for information from, undertakinginspection of, conducting enquiries andinvestigations including audit of the insurers,intermediaries, insurance intermediaries and otherorganisations connected with the insurancebusinessIII.8.1 The financial year <strong>2009</strong>-<strong>10</strong> was the tenth yearof operations of insurance companies, post openingup of the sector. While the Authority has beencontemplating commencement of comprehensive onsiteinspection, it was considered that the registeredinsurers should be allowed time to stabilise operationsprior to taking on full scale inspection. However, duringthe first half of the year 20<strong>10</strong>-11, on-site inspectiontargeted on critical issues in respect of four life insurersand four non life insurers was undertaken.9. Control and regulation of rates, advantages,terms and conditions that may be offered by theinsurers in respect of general insurance businessnot so controlled and regulated by the TariffAdvisory Committee under Section 64U of theInsurance Act 1938 (4 of 1938)III.9.1 With detariffing of non-life industry w.e.f1 st January, 2007, for all classes of tariff businessexcept motor third party cover, the ball was set rollingfor freedom to the insurance companies in pricing ofthe products. For motor third party cover, which is astatutory insurance cover required under theprovisions of Motor Vehicles Act, the Authority hasretained the powers to determine the rates, terms andconditions. To ensure that the third party (also called‘Liability Only Cover’) is made available notably forcommercial vehicles, the Authority has constituted theIndian Motor Third Party Insurance Pool forcommercial vehicles. The setting up of the Motor Poolhas ensured involvement of all insurers in theunderwriting and management of motor third party risk.The pool is managed by the General InsuranceCorporation for a prescribed fee.III.9.2 Thus, except for Motor Third Party risks, in caseof other new insurances and renewals effective on orafter 1 st January, 2007, respective insurers are freeto quote rates of premium in accordance with the rateschedules and rating guidelines filed with the Authority.Risks qualifying as large risks under paragraph 19 (v)of the circular no. 021/<strong>IRDA</strong>/F&U/ Sep-06 dated28 th September, 2006 are to be insured at the rates,terms and conditions and basis of insurance exactlyas the rates, terms etc., as developed from thereinsurers with no variation.III.9.3 Further, w.e.f., 1 st January, <strong>2009</strong>, the Authorityhas permitted relaxations in the terms and conditionsof coverage of the erstwhile tariff classes of businessin fire, engineering, Industrial All Risk (IAR) and Motor(Own Damage). In view of the relaxation, the Authorityhas been receiving proposals for innovative covers inthe form of ‘Add-On’ covers in the above said classesof business. However, the insurers are not permittedto abridge the scope of standard covers that wereavailable under the erstwhile tariffs beyond the optionsstipulated in the erstwhile tariffs.<strong>10</strong>. Specifying the form and manner in whichbooks of accounts shall be maintained andstatements of accounts shall be rendered byInsurers and other Insurance Intermediaries.III.<strong>10</strong>.1 The Authority has mandated a number ofmeasures to improve transparency and disclosures.These stipulations include those which pertain toadditional disclosures in the financial statements andthose in the public domain. The disclosures in thepublic domain include those on the respectivewebsites of insurance companies, and in thenewspapers on periodic basis. Additional disclosures78
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>have also been stipulated under the CorporateGovernance Guidelines. Briefly, the disclosurerequirements are indicated below.Disclosures on Corporate Governance:III.<strong>10</strong>.2 All insurers are required to disclose thefollowing in their Annual Report, w.e.f., the financialyear 20<strong>10</strong>-11:• Number of meetings held of the Board ofDirectors and of the Committees mandated underthe guidelines, in the financial year.• Details of the composition of the Board ofDirectors and Committees mandated, setting outname, qualification, field of specialisation, statusof directorship held; etc.• Number of meetings attended by the Directorsand the members of the respective Committees.• Details of the remuneration paid, if any, to theindependent directors.Periodic DisclosuresIII.<strong>10</strong>.3 The Authority has mandated disclosures tobe made by the insurers in the public domain onquarterly, half yearly and <strong>annual</strong> basis w.e.f.,1 st April, 20<strong>10</strong>. The disclosures are required to bemade available on their respective websites in caseof quarterly disclosures and in newspapers in case ofhalf yearly and yearly disclosures. The periodicdisclosures not only cover the financial informationincluding solvency position, but also customersgrievance, geographical spread and key performanceratios of the insurers.Disclosures on Discontinued PoliciesIII.<strong>10</strong>.4 The <strong>IRDA</strong> (Treatment of Discontinued LinkedInsurance Policies) Regulations, 20<strong>10</strong> mandates thelife insurers to make a separate presentation of “Fundsfor Discontinued Policies”, classifying thediscontinuance (i) on account of non-payment ofpremium; and (ii) others.Disclosures on Equity holdingIII.<strong>10</strong>.5 The insurers are required to furnish informationabout the pledge, encumbrance or any other chargecreated on the equity holding of the insurancecompany and of the promoters. These disclosures arerequired to be filed with the Authority on quarterlybasis.III.<strong>10</strong>.6 The <strong>IRDA</strong> has mandated the followingadditional disclosures w.e.f. <strong>2009</strong>-<strong>10</strong>:• A separate statement showing the flow of fundsto the Controlled Fund has been mandated. Thisformat is required to form part of the <strong>annual</strong>financial statement of a life insurance company.• A separate statement furnishing details ofremuneration paid whether by way of commissionor otherwise to any person, in cases where suchremuneration exceeds `1 lakh per annum. Thisstatement is required to be filed with theAuthority on an <strong>annual</strong> basis.11. Regulating investment of funds by insurancecompaniesIII.11.1 The investment of funds by insurancecompanies is regulated under the <strong>IRDA</strong> (Investment)(Fourth Amendment) Regulations, 2008.III.11.2 The Authority has realigned the definition of‘Infrastructure facility’ with the definition given by RBIthereby creating more room for the insurers to investin infrastructure sector. <strong>IRDA</strong> vide INV/MOF/LR/006/2008-09 dated 22 nd January, <strong>2009</strong> further relaxed theceiling of investments in Infrastructure to 20 per centas against the existing ceiling of <strong>10</strong> per cent. The limitwould be combined for both debt and equity takentogether without sub-ceilings in instruments satisfyingcertain criteria.III.11.3 Further, <strong>IRDA</strong> in consultation with the Instituteof Chartered Accountants of India issued technicalguidelines on implementing systems and processesto enable a consistent and clearly documentedprocess and procedure to handle large volume ofinvestments through a third party certification modelusing Chartered Accountant firms.79
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>III.11.4 Also, <strong>IRDA</strong> issued guidelines on the scopefor Internal and Concurrent Audit for investmentoperations of insurance companies to monitorinvestments of both Traditional and Unit Linkedportfolio, at a closer level with the aim ofmitigating systemic risk. Further <strong>IRDA</strong> videINV/CIR/023/<strong>2009</strong>-<strong>10</strong> dated 4 th August, <strong>2009</strong> issuedguidelines for Audit of Investment Risk ManagementSystems & Process and Internal / Concurrent Audit.12. Regulating maintenance of margin of solvencyIII. 12.1 As per Section 64 VA of the InsuranceAct, 1938 every insurer is required to maintain arequired Solvency Margin. The Authority hasconsidered the need for reviewing the solvency marginrequirement for pure term products, so as to help theinsurers in launching more pure term products forsufficiently longer periods and at affordable rates. TheAuthority has reviewed the solvency marginrequirement for the linked business and proposedsome factors with respect to linked business in workingout the required solvency margin. These factors cameinto effect from December 31, 2008 onwards. Further,the life insurers were asked to submit scrip-wise detailsof investments available for arriving at the ‘availablesolvency margin’ along with actuarial valuation <strong>report</strong>sfor the year ended 31 st March <strong>2009</strong> onwards. Therehave been no further amendments in the regulationsin <strong>2009</strong>-<strong>10</strong>.13. Adjudication of disputes between Insurers andIntermediaries or Insurance IntermediariesIII.13.1 As per Regulation 41(2) of <strong>IRDA</strong> (InsuranceBrokers) Regulations, 2002, any disputes arisingbetween an insurance broker and an insurer or anyother person either in the course of his engagementas an insurance broker or otherwise may be referredto the Authority by the person so affected; and onreceipt of the complaint or representation, the Authoritymay examine the complaint and if found necessaryproceed to conduct an enquiry or an inspection or aninvestigation in terms of these regulations.III.13.2 The Authority in exercise of its power underRegulation 41(2) adjudicated the following disputesbetween the Insurers and Insurance Brokers:PRMAN Reinsurance Brokers Pvt. Ltd vs TheOriental Insurance Co LtdA complaint was received from The Oriental InsuranceCo. Ltd. in respect of a claim involving a huge recoveryfrom Reinsurers M/s Contego Underwriting (formerlyknown as Mayflower Engineering Consortium)-London and M/s TSM Agencies Ltd. London. TheAuthority granted both parties an opportunity of beingheard on 5 th March, 20<strong>10</strong>. The matter is presentlyunder examination.Megatop Insurance Broking Ltd vs AgricultureInsurance Company of India Ltd.A complaint was received against Megatop InsuranceBroking Ltd., (MIBL) from Chairman-cum-ManagingDirector, Agriculture Insurance Company of India Ltd.,(AICIL), alleging gross irregularities of varying natureby MIBL with regard to Weather Based Crop InsuranceScheme. The Authority suspended the Licence ofMIBL and initiated enquiry proceedings against it. Theenquiry is presently in progress.Key Insurance Brokers Pvt. Ltd vs The OrientalInsurance Co Ltd.A complaint was received against Key InsuranceBrokers Pvt. Ltd. from The Oriental Insurance Co. Ltd.(OICL), alleging connivance of the broker in thefraudulent claim of about `4 lakh <strong>report</strong>ed under theStandard Fire and Special Perils Policy of M/s VaibhavPackaging placed by the broker with OICL BranchOffice, Ghaziabad. The Authority after considering theinvestigation <strong>report</strong> and the explanation furnished bythe broker, has issued a show cause notice to thebroker.Strategic Insurance Broking Services Pvt Ltd vsIFFCO Tokio General Insurance Co Ltd.M/s Strategic Insurance Broking Services Pvt. Ltd.,filed a complaint against IFFCO Tokio GeneralInsurance Company Ltd., with regard to payments ofbrokerage commission in respect of extension ofErection All Risks Insurance and EAR Advanced Lossof Profits Insurance Policy issued in <strong>2009</strong> to LancoAmarkantak Power Private Limited. Since the disputewas between the insurer and the broker, the Authorityadvised the broking company to approach appropriatelegal forum for resolution of the dispute at their80
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>discretion. The Authority has issued show causenotice to the IFFCO Tokio General InsuranceCompany Ltd, for violation of <strong>IRDA</strong> circular dated15 th September, 2006 regarding guidelines onplacement of insurance and reinsurance risks.14. Supervising the functioning of the TariffAdvisory Committee (TAC)III.14.1 With the removal of tariffs effective1 st January, 2007, the role of TAC has been diluted.The Insurance (Amendment) Bill <strong>2009</strong> vide Section64 ULA (2) has proposed to dissolve the TAC. Thedraft section proposed in the Amendment Bill isindicated as under:“Section 64 ULA (2): The Authority shall, inconsultation with the Central Government, prepare ascheme for the existing employees of the TariffAdvisory Committee on its dissolution, keeping in viewthe interests of such employees on such terms andconditions as it may, by Order determine.”III.14.2 In the light of the above, the TAC employeeswere offered Special Voluntary Retirement (SVR)under two schemes namely Special VoluntaryRetirement Scheme (SVRS) <strong>2009</strong> and 20<strong>10</strong>. Afterexercising the option, the current strength of TACstands at 85, comprising of 19 officers and 66 staffmembers.15. Specifying the percentage of the premiumincome of the insurer to finance schemes forpromoting and regulating professionalorganisations referred to in clause(6)III.15.1 The Authority has not prescribed anypercentage of the premium income of the insurer tofinance schemes for promoting and regulatingprofessional organisations referred to in clause (6).sector insurers these obligations have been linked totheir performance in the year 2001-02 in these sectors.With the amendments which were notified in2007-08, the obligations of the private insurers uptothe tenth year of operations have been laid down.Simultaneously, the obligations of the public sectorinsurers have also been revisited. The obligations ofthe private insurers are as under:III.16.2 Rural sector• In respect of a life insurer: commencing fromseven per cent of the total policies written directin the first financial year to twenty per cent in thetenth financial year.• In respect of a non-life insurer: commencing fromtwo per cent of total gross premium incomewritten direct in the first financial year to sevenper cent from the ninth financial year onwards.III.16.3 Social sector:In respect of all insurers commencing from fivethousand lives in the first financial year to fifty fivethousand lives in the tenth financial year.In respect of the existing insurers as on the date ofcommencement of <strong>IRDA</strong> Act, 1999 (four non-lifeinsurers and LIC), the Regulations provided that thequantum of insurance business to be done in the ruraland social sectors shall not be less than what wasrecorded by them for the accounting year ended31 st March, 2002. Based on the amendmentregulations notified by the Authority, the obligationsof these insurers towards the rural and social sectorsfor the financial year 2007-08 to the financial year<strong>2009</strong>-<strong>10</strong> are as under:III.16.4 Life Insurance Corporation of India (LIC)16. Specifying the percentage of life insurancebusiness and general insurance business to beundertaken by the Insurers in the rural and socialsectorIII.16.1 The obligations as stipulated in the <strong>IRDA</strong>(Obligations of insurers towards the rural or socialsector) Regulations, 2002 lay down the requirementsto be complied with by the insurers during the firstfive years of their operations. In case of the public(a)(i)(ii)Rural Sector ObligationsFinancial year 2007-08: twenty four per cent.Financial years 2008-09 and <strong>2009</strong>-<strong>10</strong>: twenty fiveper cent of the total policies written direct in thatyear.81
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>(b)Social Sector ObligationsTwenty lakh lives should be covered for the years2007-08 to <strong>2009</strong>-<strong>10</strong>.III.16.5 Non life insurersRural Sector Obligations(i) Financial year 2007-08: six per cent.(ii) Financial year 2008-09 and <strong>2009</strong>-<strong>10</strong>: seven percent of the total gross premium income written directin that year.Social Sector ObligationsFor the financial year 2007-08• the average of the number of lives covered bythe respective insurer in the social sector fromthe financial years 2002-03 to 2004-05 or• 5.50 lakh lives whichever is higher.III.16.6 The obligations of the insurers shall undergoan increase of ten per cent in each of the financialyears 2008-09 and <strong>2009</strong>-<strong>10</strong>, over the number ofpersons actually covered in the financial year2007-08.III.16.7 In addition, with a view to giving fillip to microinsurance and to aligning the rural and social sectorobligations with the micro insurance regulations themanner of compliance has been linked to the microinsurance regulations. Further, in order to provide timeto insurance companies to establish operations toenable them to comply with their obligations towardsthe rural and social sectors, amendments have beenmade to the Regulations. It has been provided that incases where an insurance company commencesoperations in the second half of the financial year andis in operations for less than six months as at31 st March of the relevant financial year, (i) no rural orsocial sector obligations shall be applicable for thesaid period, and (ii) the <strong>annual</strong> obligations as indicatedin the Regulations shall be reckoned from the nextfinancial year which shall be considered as the firstyear of operations for the purpose of compliance. Incases where an insurance company commencesoperations in the first half of the financial year, theapplicable obligations for the first year shall be 50 percent of the obligations as specified in theseRegulations.17. Exercising such other powers as may beprescribedIII.17.1 The Central Government did not prescribeany powers to the Authority and consequentlyAuthority did not exercise any powers.82
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>PART IVORGANISATIONAL MATTERS1. OrganisationIV.1.1 During the year, <strong>IRDA</strong> forged ahead towardsthe tasks before it under the guidance andchairmanship of Shri J. Hari Narayan. The year sawShri C.R.Muralidharan, Member (F&I), demit officeafter completion of his tenure on 3 rd November, <strong>2009</strong>.In his place, Shri R.K.Nair joined the Authority asMember (F&I) on 18 th March, 20<strong>10</strong>. Prior to joiningthe Authority as Member, Shri R.K.Nair was servingas Executive Director in the Securities and ExchangeBoard of India (SEBI). Shri K.K.Srinivasan, ShriG.Prabhakara and Dr. R.Kannan continued as wholetime Members of <strong>IRDA</strong> during the year.IV.1.2 Shri Amarjit Chopra, President, Institute ofChartered Accountants of India, became part-timeMember with effect from 6 th February, 20<strong>10</strong>.Shri Vijay Mahajan, Chairman, BASIX Group andSmt. Ela R.Bhatt, Founder of Self Employed Women’sAssociation (SEWA) continued to be part-timeMembers of <strong>IRDA</strong>. Smt. L.M.Vas, Additional Secretary,Ministry of Finance joined the Authority as part-timeMember on 5 th October, <strong>2009</strong>.IV.1.3 Shri Uttam Prakash Agarwal was part-timeMember from 6 th February, <strong>2009</strong> to 5 th February, 20<strong>10</strong>.Shri Rahul Khullar, Secretary (Disinvestment), Ministryof Finance, Government of India, was part-timeMember of <strong>IRDA</strong> from 20 th February, <strong>2009</strong> to 4 thOctober, <strong>2009</strong>.2. Meetings of the AuthorityIV.2.1 Five meetings of the Authority were held duringthe financial year <strong>2009</strong>-<strong>10</strong>. <strong>IRDA</strong> also held onemeeting of the Insurance Advisory Committee (IAC)during the year under review.3. Human ResourcesIV.3.1 To take care of the human resourcesrequirement of the Authority, recruitment wasundertaken at the levels of Deputy Director and JointDirector. One Joint Director and seven DeputyDirectors were recruited during the year.IV.3.2 The Authority, in conjunction with Governmentof Andhra Pradesh, has set up Institute of Insuranceand Risk Management (IIRM) at Hyderabad in 2002.The functioning of IIRM is overseen by the Board ofDirectors headed by the Chairman, <strong>IRDA</strong>.4. Promotion of Official LanguageIV.4.1 A separate Official Language ImplementationDepartment has been set-up and is functioning in<strong>IRDA</strong> to ensure implementation of the constitutionalprovisions of Official Language; to implement theOfficial Language Policy of the Government of India;and to promote use of Hindi in the Headquarters aswell as in the subordinate offices. All efforts are beingmade to promote use of Hindi in the official work.Progress made in the use of Hindi was reviewedperiodically and necessary measures were adoptedto achieve the targets fixed for various items underthe Annual Programme for the year <strong>2009</strong>-<strong>10</strong> issuedby the Department of Official Language. <strong>IRDA</strong>publishes a monthly Journal, which also contains aHindi Section. All Notifications issued by <strong>IRDA</strong> are inbi-lingual form.5. Research & DevelopmentIV.5.1 To capture the trends in various businessoperations of the insurance companies, Research &Development Department brought out the Handbookon Indian Insurance Statistics in 2007-08, which wasfound to be of great help to various stakeholders inthe industry. In view of usefulness of the Handbook,the department came out with its second edition byextending time-series data upto 2008-09. Whilecarrying forward the improvements in the Handbook,suggestions received based on valuable feedbackfrom readers and users were also incorporated. TheDepartment is working on the feasibility of adding newtime-series data in its 3 rd edition, which is likely to bereleased in January 2011. The Department is alsoattempting to prepare a glossary of technical terms,which could be included in appropriate publicationsin due course. This will help users to be conceptuallysound while analysing and interpreting the data. Thedepartment conducted a meeting with CentralStatistical Organisation (CSO) to discuss related83
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>issues on the estimation procedure for compilation ofGDP emanating from insurance sector. Many issuesrelated to conceptual differences and gaps were alsodiscussed in the meeting. The Department is alsoinvolved in the development of a service price indexfor the insurance sector under a sub-committee, setup by the Ministry of Statistics & ProgrammeImplementation. R&D Department actively participatedin various conferences/seminars and presentedpapers on insurance related topics.6. Status of Information Technology in <strong>IRDA</strong>IV.6.1 The Authority has been constantly exploringthe possibility of use of Information Technology in thekey areas of its functioning in order to ensure thatquality time of the professionals is spent for analysingthe information submitted by the insurers andintermediaries. A number of IT projects have beeninitiated within <strong>IRDA</strong> during <strong>2009</strong>-<strong>10</strong> towards achievingthese objectives. These projects include automationof Data Collection and Business Analytics Project,revamping of Agency Licensing Process integratingall stakeholders, Integrated Grievances ManagementSystem, Vehicle Insurance Status SMS System, etc.The projects are at various stages of implementation.The features of these initiatives are briefly given below.Revamping of new Agency Licensing PortalIV.6.2 The new licensing portal integrates the variousstakeholders namely insurers, agent-traininginstitutes, examination bodies and the insurers in orderto have a better control on the licensing process.IV.6.3 The development exercise commenced inAugust <strong>2009</strong> after receiving feedback from variousstakeholders. Users from insurance companies haveparticipated in the User Acceptance Test. Prior tooperationalising the portal, the Authority alsoconducted a workshop, to familiarise the variousstakeholders with the portal. The new licensingportal was successfully operationalised from5 th January, 20<strong>10</strong>. The salient features of the newagency licensing system are:• Integration with all stakeholders (viz, <strong>IRDA</strong>,Insurers, Agent Training Institutes, ExaminationBodies and Insurance Agents) through UniqueRoll Number as a common identification number.• Agency Licencing Portal to be entry point in thelicensing process with registration for training.• Unique Reference Number to be generated andused throughout agent licensing process.• Direct registration with <strong>IRDA</strong> portal for applyingfor an agent licence without getting approval froman Insurer. Applicants can sponsor themselvesfor Training and Examination (This module iscomplete and would be rolled out in due course).• Data corrections can be directly made byDesignated Persons of the insurers who areresponsible for issuing the licences.• Public access to search for agents in a locality.Client desirous of having insurance cover cansearch for agent(s) in his/her locality.• Public access to view Cancelled Licences tocreate awareness about persons whose agencylicence has been cancelled.IV.6.4 A separate help desk has also been set-up bythe Authority to respond to queries of users of theportal spread all over the country. Based on thefeedback of the stakeholders, continuousimprovements are being made in the portal.Business Analytics SolutionIV.6.5 The scope of the on-going Business AnalyticsProject was further enhanced to include additional fourdepartments namely Life, Intermediaries, Inspectionand Non-life departments. The enhanced scopeincludes identification of information requirements forMarket Development and Market Conduct for all thedepartments of <strong>IRDA</strong> covered under the project. As apart of enhancement, the development of Proof ofConcept (POC) has also been included forestablishing an element of comfort and confidencebefore implementing the full-scale IT solution. Theanalytical work relating to the project has already beencompleted and the tendering process for the selectionof implementing agency has since been initiated.Implementation of ERP SystemIV.6.6 The activities in the Administration departmentare mostly done manually and also to some extentwith the help of office tools. The overall level ofcomputerisation in the department is low and the datalies scattered at different desks across manual,computerised and semi-computerised systems. Arobust ERP solution has been identified as an effective84
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>mechanism to address these challenges and provideimproved business processes.IV.6.7 The proposed ERP would facilitate in achievingthe following objectives:• Implement appropriate packages to meet therequirements of the department• Interface the divisions of the Administrationdepartment for easy accessibility of data and toavoid the data redundancy• Establish an integrated ERP system through useof the most effective technologies• Improve efficiency of the department• Automate day-to-day functional operations usingwork flows and electronic approval processes• Establish a self-service portal for the staff forsubmission of bills, reimbursements, etc.IV.6.8 The proposed system is expected to providecustomised workflow solution resulting in minimisationof the workload; provide up-to-date information tosmoothen the functioning of the divisions; andenhance <strong>report</strong>ing (status <strong>report</strong>s) to provide bettercontrol and monitoring.Setting up of Insurance Grievance Call Center(IGCC)IV.6.9 In order to ensure that policyholder grievancesare addressed in an efficient / faster manner andprovide a qualitative grievances redressal experienceacross the country, <strong>IRDA</strong> has set up the InsuranceGrievance Call Center. The salient features of thesystem include the following:• Establish IGCC with inbound, outbound and backoffice capabilities to achieve its objectives andto meet the long-term vision of <strong>IRDA</strong>.• Set up Nationwide Consumer Service help linesupported by back office activity.• To provide a single window system topolicyholders to lodge their complaints with theirrespective insurers.• To facilitate policyholder in escalating thecomplaints to <strong>IRDA</strong>.The Call Center has been made operational from20 th July, 20<strong>10</strong>.Design and Development of Vehicle InsuranceStatus SMS System (VISSS)IV.6.<strong>10</strong> The proposed system will provide an additionalfacility to the police authorities to verify the insurancestatus of a vehicle. VISSS will also provide insurerswith a facility to locate uninsured vehicles and to bringthem into the insurance net thereby increasing thepremium income of the insurance companies andbringing down the claims ratio. It is also envisagedthat the system will collect up-to-date information fromall the insurers at a central place and disseminateinformation to all stakeholders instantly. The objectivesof the proposed system are briefly stated below:• Instant and easy availability of insurance statusof the vehicle.• Providing the authorities with additional proof ofnon-insurance for taking action against uninsuredvehicles.• Discourage use of forged policy documents.• Bringing more vehicles into the insurance net.• Real time availability of micro figures of motorinsurance with the Authority, which can be usedfor other regulatory purposes.IV.6.11 The exposure draft on the VISSS has beenhosted on the <strong>IRDA</strong> website seeking comments fromthe stakeholders.Integrated Grievances Management System (IGMS)IV.6.12 In order to improve the current grievanceredressal procedure in the insurance sector, <strong>IRDA</strong> hasinitiated steps to put in place the Integrated GrievancesManagement System (IGMS). The proposed IGMSwould enable the Authority to achieve the followingobjectives:• Ensuring fair treatment to policyholders andprotecting their interests.• Ensuring speedy settlement of genuine claims.• Putting in place, effective grievance redressalmachinery.85
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>IV.6.13 The proposed solutions framework has theability to provide centralised and online access to thepolicyholder. In addition, <strong>IRDA</strong> would have completeaccess and control for monitoring the grievanceredressal procedure. The salient features of theproposed system are as follows:• Set up industry wide uniform standards forgrievance redressal mechanism.• Creation of central repository of complaints of theinsurers on a near real-time basis for effectivemonitoring.• Generate MIS <strong>report</strong>s on all aspects of grievanceredressal.• Provide advice to policyholders on escalatingtheir complaints to the Ombudsmen.• Provide a simple, easy to use platform topolicyholders to lodge complaints against brokersand insurers.IV.6.14 The Authority has finalised the implementingagency for the proposed Integrated GrievancesManagement System and the new system is expectedto be rolled out soon.7. AccountsIV.7.1 The Accounts of the Authority for <strong>2009</strong>-<strong>10</strong> havebeen audited by the Comptroller and Auditor Generalof India (C&AG). Pursuant to the provisions of Section17 of <strong>IRDA</strong> Act, 1999, the Audited accounts along withthe Audit Report have been forwarded to theGovernment of India to be placed in both Houses ofParliament. A copy of the accounts for <strong>2009</strong>-<strong>10</strong> isplaced at Annex <strong>10</strong>.8. <strong>IRDA</strong> JournalIV.8.1 The November <strong>2009</strong> issue of <strong>IRDA</strong> Journal,the monthly publication of the Authority, marked thecompletion of seven years; and the Journal continuesto be recognised for the quality inputs on variousissues associated with the industry. The Journal hasfurther consolidated itself during this period byincluding more statistical information – both at monthlyand at quarterly intervals. The statistical supplementshave been well-received by the various stakeholders;and the players especially have expressedappreciation on the utility of the statistical informationprovided in the Journal. The Journal has also addedfurther to the list of contributors in the form of articles,research papers etc., and this has enabled the Journalto be a good source of varied opinion – both domesticas well as international. The demand for the hard copyof the Journal has been growing perennially, therebyindicating the growing interest of various stakeholdersas also endorsing the fact that it is serving its purpose.The web copy of the Journal continues to be thesource for an increasing number of readers.IV.8.2 During the year <strong>2009</strong>-<strong>10</strong>, several contemporarytopics have been covered under issue focus. Thevarious topics which were covered as issue focusduring the period were: Rural and Social Commitmentsof Insurers; Insurance Marketing; Accident Insurance;Risk Based Capital in the Insurance Industry; BestPractices in Insurance; Innovations and Developmentsin the Liberalised Regime; Asymmetry of Informationin Insurance; Data Warehousing and Mining; Trainingin Insurance; and Role of Underwriting in Insurance.A trend that had been observed during the year wasthat there had been an ‘encore’ of some importantissues; and accordingly the Editorial Board had torevisit some of the important areas of focus.9. AcknowledgementsIV.9.1 The <strong>IRDA</strong> would like to place on record itsappreciation and sincere thanks to the Members ofthe Insurance Advisory Committee, the ReinsuranceAdvisory Committee, Department of FinancialServices (Ministry of Finance), all insurers andintermediaries for their invaluable guidance andco-operation in its proper functioning and to thecompact team of officers and employees of the <strong>IRDA</strong>for efficient discharge of their duties. The Authorityalso records its special thanks to the members of thepublic, the press, all the professional bodies andinternational agencies connected with the insuranceprofession including the International Association ofInsurance Supervision (IAIS) for their valuablecontribution from time to time.86
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>STATEMENTS87
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ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>INTERNATIONAL COMPARISON OF INSURANCE PENETRATION*STATEMENT 1(In Per Cent)<strong>2009</strong>** 2008**Countries Total Life Non-Life Total Life Non-LifeAustralia 6.4 3.4 3.0 7.3 4.4 2.9Brazil 3.1 1.6 1.5 3.0 1.4 1.6France <strong>10</strong>.3 7.2 3.1 9.2 6.2 3.0Germany 7.0 3.3 3.7 6.6 3.0 3.5Russia 2.5 0.0 2.5 2.3 0.0 2.3South Africa 12.9 <strong>10</strong>.0 2.9 15.3 12.5 2.9Switzerland 9.8 5.4 4.5 9.9 5.5 4.4United Kingdom 12.9 <strong>10</strong>.0 3.0 15.7 12.8 2.9United States 8.0 3.5 4.5 8.7 4.1 4.6Asian CountriesBangladesh 0.9 0.7 0.2 0.9 0.7 0.2Hong Kong 11.0 9.6 1.4 11.2 9.9 1.3India# 5.2 4.6 0.6 4.6 4.0 0.6Japan 9.9 7.8 2.1 9.8 7.6 2.2Malaysia 4.4 2.9 1.6 4.3 2.8 1.5Pakistan 0.7 0.3 0.4 0.8 0.3 0.4PR China 3.4 2.3 1.1 3.3 2.2 1.0Singapore 6.8 5.1 1.7 7.8 6.3 1.6South Korea <strong>10</strong>.4 6.5 3.9 11.8 8.0 3.7Sri Lanka 1.4 0.6 0.9 1.4 0.6 0.9Taiwan 16.8 13.8 3.0 16.2 13.3 2.9Thailand 4.0 2.4 1.6 3.3 1.8 1.5World 7.0 4.0 3.0 7.1 4.1 2.9Source: Swiss Re, Sigma Volumes 2/20<strong>10</strong> and 3/<strong>2009</strong>.* Insurance penetration is measured as ratio of premium (in US Dollars) to GDP (in US Dollars)** Data pertains to the calender year <strong>2009</strong> and 2008.# Data relates to financial year <strong>2009</strong>-<strong>10</strong> and 2008-09.89
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>INTERNATIONAL COMPARISON OF INSURANCE DENSITY*STATEMENT 2(In US Dollar)<strong>2009</strong>** 2008**Countries Total Life Non-Life Total Life Non-LifeAustralia 2832.7 1524.8 1307.9 3386.5 2038 1348.6Brazil 251.7 127.9 123.8 244.5 115.4 129.1France 4269.1 2979.8 1289.4 4131 2791.9 1339.2Germany 2878.4 1359.7 1518.7 2919.2 1346.5 1572.7Russia 280.9 4.5 276.4 273.5 5.4 268.1South Africa 738.1 574.2 163.9 870.6 707.0 163.6Switzerland 6257.6 3405.6 2852.1 6379.4 3551.5 2827.9United Kingdom 4578.8 3527.6 <strong>10</strong>51.2 6857.8 5582.1 1275.7United States 37<strong>10</strong>.0 1602.6 2<strong>10</strong>7.3 4078.0 1900.6 2177.4Asian CountriesBangladesh 5.2 3.9 1.3 4.4 3.3 1.1Hong Kong 3304.0 2886.6 417.5 33<strong>10</strong>.3 2929.6 380.8India# 54.3 47.7 6.7 47.4 41.2 6.2Japan 3979.0 3138.7 840.4 3698.6 2869.5 829.2Malaysia 321.8 206.9 115.0 345.4 225.9 119.5Pakistan 6.6 3.0 3.6 6.8 2.8 4.0PR China 121.2 81.1 40.0 <strong>10</strong>5.4 71.7 33.7Singapore 2557.6 1912.0 645.6 3179.0 2549.0 630.0South Korea 1890.3 1180.6 709.7 1968.7 1347.7 621.0Sri Lanka 29.5 11.8 17.7 32.1 12.8 19.3Taiwan 2752.1 2257.3 494.8 2787.6 2281.1 499.6Thailand 154.4 91.7 62.7 142.1 77.2 64.9World 595.1 341.2 253.9 633.9 369.7 264.2Source: Swiss Re, Sigma Volumes 2/20<strong>10</strong> and 3/<strong>2009</strong>.* Insurance density is measured as ratio of premium (in US Dollar) to total population.** Data pertains to the calender year <strong>2009</strong> and 2008.# Data relates to financial year <strong>2009</strong>-<strong>10</strong> and 2008-09.90
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>FIRST YEAR (INCLUDING SINGLE PREMIUM) LIFE INSURANCE PREMIUMSTATEMENT 3(` Crore)INSURER 2000-01 2001-02 2002-03 2003-04 2004-05 2005-06 2006-07 2007-08 2008-09 <strong>2009</strong>-<strong>10</strong>LIC 9700.98 19588.77 15976.76 17347.62 20653.06 28515.87 56223.56 59996.57 53179.08 71521.90(<strong>10</strong>1.93) (-18.44) (8.58) (19.05) (38.07) (97.17) (6.71) (-11.36) (34.49)ING Vysya — 4.19 17.66 72.<strong>10</strong> 282.42 283.98 467.66 704.44 688.95 642.43HDFC Standard 0.002 32.78 129.31 209.33 486.15 <strong>10</strong>42.65 1648.85 2685.37 2651.11 3257.51Birla Sun Life 0.32 28.11 129.57 449.86 621.31 678.12 882.72 1965.01 2820.85 2960.01ICICI Prudential 5.97 113.33 364.11 750.84 1584.34 2602.50 5162.13 8034.75 6811.83 6334.03Kotak Mahindra — 7.58 35.21 125.51 373.99 396.06 614.94 1<strong>10</strong>6.62 1343.03 1333.98TATA AIG — 21.14 59.77 181.59 297.55 464.53 644.82 964.51 1142.67 1322.01SBI Life — 14.69 71.88 207.05 484.85 827.82 2563.84 4792.82 5386.64 7040.74Bajaj Allianz — 7.14 63.39 179.55 857.45 2716.77 4302.74 6674.48 4491.43 4451.<strong>10</strong>Max New York 0.16 38.80 67.31 137.28 233.63 471.36 912.11 1597.83 1842.91 1849.08MetLife — 0.48 7.70 23.41 57.52 148.53 340.44 825.35 1144.70 <strong>10</strong>61.85Reliance — 0.28 6.32 27.21 91.33 193.56 932.11 2751.05 3513.98 3920.78Aviva — — 13.47 76.96 192.29 407.12 721.35 <strong>10</strong>53.98 724.56 798.37Sahara — — — — 1.74 26.34 43.00 122.12 134.01 124.83Shriram — — — — — <strong>10</strong>.33 181.17 309.99 314.47 419.50Bharti AXA — — — — — — 7.78 113.24 292.93 437.43Future Generali — — — — — — — 2.49 149.97 486.08IDBI Federal — — — — — — — 11.90 316.78 400.56Canara HSBC — — — — — — — — 296.41 622.62Aegon Religare — — — — — — — — 31.21 37.38DLF Pramerica — — — — — — — — 3.37 150.37Star Union Dai-ichi — — — — — — — — 50.19 519.87IndiaFirst — — — — — — — — — 201.59PRIVATE SECTOR 6.45 268.51 965.69 2440.71 5564.57 <strong>10</strong>269.67 19425.65 33715.95 34152.00 38372.12(4061.70) (259.65) (152.74) (127.99) (84.55) (88.84) (73.56) (1.29) (12.36)TOTAL 9707.43 19857.28 16942.45 19788.33 26217.64 38785.54 75649.21 93712.52 87331.08 <strong>10</strong>9894.02(<strong>10</strong>4.56) (-14.68) (16.80) (32.49) (47.94) (94.96) (23.88) (-6.81) (25.84)Note: 1) Figures in the bracket represent the growth over the previous year in per cent.2) — indicates business not started.91
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>TOTAL LIFE INSURANCE PREMIUMSTATEMENT 4(` Crore)INSURER 2000-01 2001-02 2002-03 2003-04 2004-05 2005-06 2006-07 2007-08 2008-09 <strong>2009</strong>-<strong>10</strong>LIC 34892.02 49821.91 54628.49 63533.43 75127.29 90792.22 127822.84 149789.99 157288.04 186077.31(42.79) (9.65) (16.30) (18.25) (20.85) (40.79) (17.19) (5.01) (18.30)ING Vysya — 4.19 21.16 88.51 338.86 425.38 707.20 1158.87 1442.28 1642.65HDFC Standard 0.002 33.46 148.83 297.76 686.63 1569.91 2855.87 4858.56 5564.69 7005.<strong>10</strong>Birla Sun Life 0.32 28.26 143.92 537.54 915.47 1259.68 1766.17 3272.19 4571.80 5505.66ICICI Prudential 5.97 116.38 417.62 989.28 2363.82 4261.05 7912.99 13561.06 15356.22 16531.88Kotak Mahindra — 7.58 40.32 150.72 466.16 621.85 971.51 1691.14 2343.19 2868.05TATA AIG — 21.14 81.21 253.53 497.04 880.19 1367.18 2046.35 2747.50 3493.78SBI Life — 14.69 72.39 225.67 601.18 <strong>10</strong>75.32 2928.49 5622.14 7212.<strong>10</strong> <strong>10</strong><strong>10</strong>4.03Bajaj Allianz — 7.14 69.17 220.80 <strong>10</strong>01.68 3133.58 5345.25 9725.31 <strong>10</strong>624.52 11419.71Max New York 0.16 38.95 96.59 215.25 413.43 788.13 1500.28 2714.60 3857.26 4860.54MetLife — 0.48 7.91 28.73 81.53 205.99 492.71 1159.54 1996.64 2536.01Reliance — 0.28 6.47 31.06 <strong>10</strong>6.55 224.21 <strong>10</strong>04.66 3225.44 4932.54 6604.90AVIVA — — 13.47 81.50 253.42 600.27 1147.23 1891.88 1992.87 2378.01Sahara — — — — 1.74 27.66 51.00 143.49 206.47 250.59Shriram — — — — — <strong>10</strong>.33 184.17 358.05 436.17 611.27Bharti AXA — — — — — — 7.78 118.41 360.41 669.73Future Generali — — — — — — — 2.49 152.60 541.51IDBI Federal — — — — — — — 11.90 318.97 571.12Canara HSBC — — — — — — — — 296.41 842.45DLF Pramerica — — — — — — — — 3.37 165.65Aegon Religare — — — — — — — — 31.21 38.44Star Union Dai-ichi — — — — — — — — 50.19 530.37IndiaFirst — — — — — — — — — 201.60Private Total 6.45 272.55 1119.06 3120.33 7727.51 15083.54 28242.48 51561.42 64497.43 79373.06(4124.31) (3<strong>10</strong>.59) (178.83) (147.65) (95.19) (87.24) (82.57) (25.09) (23.06)TOTAL 34898.47 50094.46 55747.55 66653.75 82854.80 <strong>10</strong>5875.76 156065.32 201351.41 221785.47 265450.37(43.54) (11.28) (19.56) (24.31) (27.78) (47.38) (29.01) (<strong>10</strong>.15) (19.69)Note: 1) Figures in the brackets represent the growth over the previous year in per cent.2) — represents business not started.92
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>STATEMENT 5INDIVIDUAL NEW BUSINESS PERFORMANCE OF LIFE INSURERS - CHANNEL WISE(Premium in ` Crore) (Policies in nos.)Insurer Individual Agents Corporate Agents Brokers Direct Selling Total Individual ReferralsBanks Others* New BusinessPolicies Premium Policies Premium Policies Premium Policies Premium Policies Premium Policies Premium Policies PremiumAegon Religare 20511 54.49 0 0.00 3055 9.86 6507 17.30 19775 68.67 49848 150.31 12 0.03(41.15) (36.25) (0.00) (0.00) (6.13) (6.56) (13.05) (11.51) (39.67) (45.69) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (0.02) (0.02)Aviva** <strong>10</strong><strong>10</strong>20 304.50 20026 70.82 6646 4.22 29338 31.92 82513 330.56 239543 742.02 82073 327.68(42.17) (41.04) (8.36) (9.54) (2.77) (0.57) (12.25) (4.30) (34.45) (44.55) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (34.26) (44.16)Bajaj Allianz 935342 2167.75 27858 51.00 966291 802.35 5975 <strong>10</strong>.28 294023 853.94 2229489 3885.32 31545 331.44(41.95) (55.79) (1.25) (1.31) (43.34) (20.65) (0.27) (0.26) (13.19) (21.98) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (1.41) (8.53)Bharti AXA <strong>10</strong>2514 235.16 9716 26.69 7427 21.34 31170 56.15 27923 72.20 178750 411.54 0 0.00(57.35) (57.14) (5.44) (6.49) (4.15) (5.18) (17.44) (13.65) (15.62) (17.54) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (0.00) (0.00)Birla Sunlife 706354 1394.92 63126 379.29 797886 248.82 66551 132.96 136804 130.74 1770721 2286.74 30346 12.84(39.89) (61.00) (3.56) (16.59) (45.06) (<strong>10</strong>.88) (3.76) (5.81) (7.73) (5.72) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (1.71) (0.56)Canara HSBC 0 0.00 99856 615.98 0 0.00 0 0.00 0 0.00 99856 615.98 0 0.00(0.00) (0.00) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (0.00) (0.00)DLF Pramerica 7784 19.26 0 0.00 4386 6.61 35 0.06 7279 11.41 19484 37.35 0 0.00(39.95) (51.58) (0.00) (0.00) (22.51) (17.70) (0.18) (0.16) (37.36) (30.56) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (0.00) (0.00)Future Generali 125637 203.40 0 0.00 175763 201.16 267 0.51 34026 49.24 335693 454.31 0 0.00(37.43) (44.77) (0.00) (0.00) (52.36) (44.28) (0.08) (0.11) (<strong>10</strong>.14) (<strong>10</strong>.84) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (0.00) (0.00)HDFC Standard 661887 1252.55 260476 1398.79 1808 50.46 671 2.01 25418 49.74 950260 2753.55 8406 9.58(69.65) (45.49) (27.41) (50.80) (0.19) (1.83) (0.07) 0.07 2.67 1.81 (<strong>10</strong>0.00) (<strong>10</strong>0.00) 0.88 0.35ICICI Prudential 861286 2650.04 187001 1335.71 68734 327.74 122043 444.01 522163 456.05 1761227 5213.55 454836 252.57(48.90) (50.83) (<strong>10</strong>.68) (25.62) (3.90) (6.29) (6.93) (8.52) (29.65) (8.75) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (25.82) (4.84)IDBI Federal 29043 93.52 54519 281.49 26 0.07 1192 3.63 11984 21.74 96764 400.45 0 0.00(30.01) (23.35) (56.34) (70.29) (0.03) (0.02) (1.23) (0.91) (12.38) (5.43) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (0.00) (0.00)ING Vysya 198309 362.04 41465 164.63 23922 47.96 3456 6.02 23603 52.69 290755 633.33 23603 52.69(68.20) (57.16) (14.26) (25.99) (8.23) (7.57) (1.189) (0.95) (8.12) (8.32) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (8.12) (8.32)Kotak Mahindra 148405 481.88 27499 291.19 39434 <strong>10</strong>6.33 53871 142.29 50964 90.96 320173 1112.65 4345 8.76(46.35) (43.31) (8.59) (26.17) (12.32) (9.56) (16.83) (12.79) (15.92) (8.18) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (1.36) (0.79)Note: 1) Figures in brackets show percentage to total individual new business of each insurer procured through the respective channel2) New business premium includes first year premium and single premium. *Any entity other than banks but licenced as a corporate agent.3) The leads obtained through referral arrangements have been included in the respective channels.**It has been confirmed by the insurer that the no. of policies have been taken net of all cancellations including freelooks during the financial year.93
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>INDIVIDUAL NEW BUSINESS PERFORMANCE OF LIFE INSURERS - CHANNEL WISECont’d.... STATEMENT 5(Premium in ` Crore) (Policies in nos.)Insurer Individual Agents Corporate Agents Brokers Direct Selling Total Individual ReferralsBanks Others* New BusinessPolicies Premium Policies Premium Policies Premium Policies Premium Policies Premium Policies Premium Policies PremiumMax New York 580386 1229.41 33015 76.51 301914 377.34 12274 16.07 24251 60.15 951840 1759.47 8196 13.60(60.98) (69.87) (3.47) (4.35) (31.72) (21.45) (1.29) (0.91) (2.55) (3.42) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (0.86) (0.77)MetLife 134740 354.02 122772 509.65 16255 28.35 7419 17.36 <strong>10</strong>551 27.33 291737 936.70 88998 392.00(46.19) (37.80) (42.08) (54.41) (5.57) (3.03) (2.54) (1.85) (3.63) (2.92) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (30.51) (41.85)Reliance Life 825628 1562.98 0 0.00 <strong>10</strong>24901 783.72 33653 65.42 441449 976.40 2325631 3388.52 427218 944.45(35.50) (46.13) (0.00) (0.00) (44.07) (23.13) (1.45) (1.93) (18.98) (28.82) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (18.37) (27.87)Sahara 80407 <strong>10</strong>2.75 0 0.00 3626 4.09 0 0.00 0 0.00 84033 <strong>10</strong>6.84 0 0.00(95.69) (96.17) (0.00) (0.00) (4.31) (3.83) (0.00) (0.00) (0.00) (0.00) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (0.00) (0.00)SBI Life 847032 2457.49 455356 1869.15 31352 111.53 18797 56.64 694 0.45 1353231 4495.26 13 0.02(62.59) (54.67) (33.65) (41.58) (2.32) (2.48) (1.39) (1.26) (0.05) (0.01) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (0.00) (0.00)Shriram 75756 226.61 0 0.00 17172 34.64 986 2.41 45445 118.41 139359 382.07 43435 117.40(54.36) (59.31) (0.00) (0.00) (12.32) (9.07) (0.71) (0.63) (32.61) (30.99) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (31.18) (30.73)Star Union Dai-ichi 0 0.00 <strong>10</strong>8192 490.40 0 0.00 0 0.00 0 0.00 <strong>10</strong>8192 490.40 5145 15.79(0.00) (0.00) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (4.76) (3.22)TATA AIG 509864 855.70 37634 98.99 51913 81.25 34092 80.30 55693 19.17 689196 1135.41 0 0.00(73.98) (75.36) (5.46) (8.72) (7.53) (7.16) (4.95) (7.07) (8.08) (1.69) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (0.00) (0.00)IndiaFirst 0 0.00 70756 201.59 0 0.00 0 0.00 0 0.00 70756 201.59 0 0.00(0.00) (0.00) <strong>10</strong>0.00 <strong>10</strong>0.00 (0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (0.00) (0.00)Private Total 6951905 16008.48 1619267 7861.86 3542511 3247.83 428297 <strong>10</strong>85.34 1814558 3389.85 14356538 31593.36 1208171 2478.84(48.42) (50.67) (11.28) (24.88) (24.68) (<strong>10</strong>.28) (2.98) (3.44) (12.64) (<strong>10</strong>.73) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (8.42) (7.85)LIC # 38084999 49280.77 465276 826.82 277279 262.94 1<strong>10</strong>99 43.16 0 0.00 38838653 50413.69 23908 88.77(98.06) (97.75) (1.20) (1.64) (0.71) (0.52) (0.03) (0.09) (0.00) (0.00) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (0.06) (0.18)Industry Total 45036904 65289.25 2084543 8688.68 3819790 35<strong>10</strong>.76 439396 1128.50 1814558 3389.85 53195191 82007.05 1232079 2567.61(84.66) (79.61) (3.92) (<strong>10</strong>.60) (7.18) (4.28) (0.83) (1.38) (3.41) (4.13) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (2.32) (3.13)Note: 1) Figures in brackets show percentage to total individual new business of each insurer procured through the respective channel2) New business premium includes first year premium and single premium. *Any entity other than banks but licenced as a corporate agent.3) The leads obtained through referral arrangements have been included in the respective channels. # Does not include its overseas new business premium**It has been confirmed by the insurer that the no. of policies have been taken net of all cancellations including freelooks during the financial year.94
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>GROUP NEW BUSINESS PERFORMANCE OF LIFE INSURERS - CHANNEL WISESTATEMENT 6(Premium in ` Crore) (Schemes and lives in nos.)Insurer Individual Agents Corporate Agents Brokers Direct Selling Total Group New Business ReferralsBanks Others*Schemes Lives Premium Schemes Lives Premium Schemes Lives Premium Schemes Lives Premium Schemes Lives Premium Schemes Lives Premium Schemes Lives Premiumcovered covered covered covered covered covered coveredAegon Religare 0 0 0.00 0 0 0.00 0 0 0.00 0 0 0.00 3 7632 0.06 3 7632 0.06 0 0 0.00(0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (0.00) (0.00) (0.00)Aviva 5 3971 3.65 1 476 0.15 1 12575 0.05 38 28132 5.66 76 1973882 46.84 121 2019036 56.36 9 44479 2.77(4.13) (0.20) (6.48) (0.83) (0.02) (0.27) (0.83) (0.62) (0.09) (31.40) (1.39) (<strong>10</strong>.04) (62.81) (97.76) (83.11) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (7.44) (2.20) (4.91)Bajaj Allianz 45 750 0.16 4 19894 37.62 503 4460232 249.31 46 89364 1.64 599 13722206 277.06 1197 18292446 565.79 1 13 0.00(3.76) (0.01) (0.03) (0.33) (0.11) (6.65) (42.02) (24.38) (44.06) (3.84) (0.49) (0.29) (50.04) (75.02) (48.97) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (0.08) (0.00) (0.00)Bharti AXA 0 0 0.00 0 0 0.00 8 3<strong>10</strong>16 26.13 0 0 0.00 0 0 0.00 8 3<strong>10</strong>16 26.13 0 0 0.00(0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (0.00) (0.00) (0.00) (0.00) (0.00) 0.00 (<strong>10</strong>0.00) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (0.00) (0.00) (0.00)Birla Sun Life 20 2<strong>10</strong>68 28.01 3 1138 1.40 1 12<strong>10</strong>5 3.92 42 51890 12.13 222 498318 626.28 288 584519 671.74 0 216 0.04(6.94) (3.60) (4.17) (1.04) (0.19) (0.21) (0.35) (2.07) (0.58) (14.58) (8.88) (1.81) (77.08) (85.25) (93.23) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (0.00) (0.04) (0.01)Canara HSBC 0 0 0.00 4 3863 6.52 0 0 0.00 0 0 0.00 1.00 8073.00 0.07 5 11936 6.59 0 0 0.00(0.00) (0.00) (0.00) (80.00) (32.36) (98.94) (0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (20.00) (67.64) (1.06) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (0.00) (0.00) (0.00)DLF Pramerica 0 0 0.00 0 0 0.00 0 0 0.00 0 0 0.00 1.00 7500.00 0.01 1 7500 0.01 0 0 0.00(0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (0.00) (0.00) (0.00)Future Generali 1 157 0.01 0 0 0.00 0 254 0.03 62 2779871 13.02 49 137954 18.70 112 2918236 31.76 0 0 0.00(0.89) (0.01) (0.03) (0.00) (0.00) (0.00) (0.00) (0.01) (0.<strong>10</strong>) (55.36) (95.26) (41.00) (43.75) (4.73) (58.88) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (0.00) (0.00) (0.00)HDFC Standard 0 0 0.00 0 0 0.00 0 0 0.00 0 0 0.00 262 393562 503.95 262 393562 503.95 0 0 0.00(0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (0.00) (0.00) (0.00)ICICI Prudential 35 13381 3.63 0 0 0.00 4 14152 2.14 16 <strong>10</strong>586 24.11 588 2026525 <strong>10</strong>90.88 643 2064644 1120.76 0 0 0.00(5.44) (0.65) (0.32) (0.00) (0.00) (0.00) (0.62) (0.69) (0.19) (2.49) (0.51) (2.15) (91.45) (98.15) (97.33) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (0.00) (0.00) (0.00)IDBI Federal 0 0 0.00 0 0 0.00 0 0 0.00 0 0 0.00 5 41442 0.11 5 41442 0.11 0 0 0.00(0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (0.00) (0.00) (0.00)ING Vysya 0 0 0.00 0 0 0.00 0 0 0.00 0 665 0.04 0 6458 9.06 0 7123 9.<strong>10</strong> 0 0 0.00(0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (9.34) (0.48) (0.00) (90.66) (99.52) (0.00) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (0.00) (0.00) (0.00)Kotak Mahindra 0 0 0.00 0 0 0.00 0 0 0.00 272 480344 46.87 290 520848 174.47 562 <strong>10</strong>01192 221.34 0 0 0.00(0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (48.40) (47.98) (21.17) (51.60) (52.02) (78.83) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (0.00) (0.00) (0.00)Max New York 66 31546 2.63 0 0 0.00 0 0 0.00 248 1<strong>10</strong>145 4.30 323 8615544 82.67 637 8757235 89.60 0 0 0.00(<strong>10</strong>.36) (0.36) (2.94) (0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (38.93) (1.26) (4.80) (50.71) (98.38) (92.27) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (0.00) (0.00) (0.00)Note: 1) Figures in brackets show percentage to total group new business of each insurer procured through the respective channel.2) New business premium includes first year premium and single premium.3) The leads obtained through referral arrangements have been included in the respective channels. * Any entity other than banks but licenced as a corporate agent.95
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>GROUP NEW BUSINESS PERFORMANCE OF LIFE INSURERS - CHANNEL WISECont’d.... STATEMENT 6(Premium in ` Crore) (Schemes and lives in nos.)Insurer Individual Agents Corporate Agents Brokers Direct Selling Total Group New Business ReferralsBanks Others*Schemes Lives Premium Schemes Lives Premium Schemes Lives Premium Schemes Lives Premium Schemes Lives Premium Schemes Lives Premium Schemes Lives Premiumcovered covered covered covered covered covered coveredMetLife <strong>10</strong> 33668 8.68 0 17276 43.05 4 3737 0.11 88 122894 8.44 89 427011 64.86 191 604586 125.15 3 9038 39.48(5.24) (5.57) (6.94) (0.00) (2.86) (34.40) (2.09) (0.62) (0.09) (46.07) (20.33) (6.74) (46.60) (70.63) (51.83) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (1.57) (1.50) (31.55)Reliance Life 2 11 0.07 0 0 0.00 1 1 0.00 70 427960 5.63 450 518495 526.55 523 946467 532.26 0 0 0.00(0.38) (0.00) (0.01) (0.00) (0.00) (0.00) (0.19) (0.00) (0.00) (13.38) (45.22) (1.06) (86.04) (54.78) (98.93) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (0.00) (0.00) (0.00)Sahara 0 0 0.00 0 0 0.00 0 0 0.00 0 0 0.00 6 2212630 17.98 6 2212630 17.98 0 0 0.00(0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (0.00) (0.00) (0.00)SBI Life 0 0 0.00 37 <strong>10</strong>07843 469.23 24 318350 17.68 0 0 0.00 131 287055 2058.58 192 1613248 2545.49 0 0 0.00(0.00) (0.00) (0.00) (19.27) (62.47) (18.43) (12.50) (19.73) (0.69) (0.00) (0.00) (0.00) (68.23) (17.79) (80.87) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (0.00) (0.00) (0.00)Shriram 0 0 0.00 0 0 0.00 1 147686 36.97 2 244 0.01 8 61419 0.46 11 209349 37.44 0 0 0.00(0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (9.<strong>10</strong>) (70.55) (98.74) (18.18) (0.12) (0.03) (72.73) (29.34) (1.23) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (0.00) (0.00) (0.00)Star Union Dai-ichi 0 0 0.00 40 7<strong>10</strong>54 29.47 0 0 0.00 0 0 0.00 0.00 0.00 0.00 40 7<strong>10</strong>54 29.47 0 0 0.00(0.00) (0.00) (0.00) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (0.00) (0.00) (0.00)TATA AIG 8 2385 4.07 0 256 0.35 1 12 0.05 15 706 5.44 61 161584 176.75 85 164943 186.67 0 0 0.00(9.41) (1.45) (2.18) (0.00) (0.16) (0.19) (1.18) (0.01) (0.03) (17.65) (0.43) (2.92) (71.76) (97.96) (94.69) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (0.00) (0.00) (0.00)IndiaFirst 0 0 0.00 0 0 0.00 0 0 0.00 0 0 0.00 0 0 0.00 0 0 0.00 0 0 0(0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (0.00) (0.00)Private Total 192 <strong>10</strong>6937 50.91 89 1121800 587.79 548 5000120 336.40 899 4<strong>10</strong>2801 127.30 3164 31628138 5675.34 4892 41959796 6777.74 13 53746 42.29(3.92) (0.25) (0.75) (1.82) (2.68) (8.67) (11.20) (11.92) (4.96) (18.38) (9.78) (1.88) (64.68) (75.38) (83.74) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (0.27) (0.13) (0.62)LIC 3444 8889099 1566.21 355 59534 11.78 1343 1539130 65.33 173 824132 220.60 18448 27421594 19196.72 23763 38733489 2<strong>10</strong>60.64 0 0 0.00(14.49) (22.95) (7.44) (1.49) (0.15) (0.06) (5.65) (3.97) (0.31) (0.73) (2.13) (1.05) (77.63) (70.80) (91.15) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (0.00) (0.00) (0.00)Industry Total 3636 8996036 1617.12 444 1181334 599.57 1891 6539250 401.73 <strong>10</strong>72 4926933 347.90 21612 59049732 24872.06 28655 80693285 27838.37 13 53746 42.29(12.69) (11.15) (5.81) (1.55) (1.46) (2.15) (6.60) (8.<strong>10</strong>) (1.44) (3.74) (6.11) (1.25) (75.42) (73.18) (89.34) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (0.05) (0.07) (0.15)Note: 1) Figures in brackets show percentage to total group new business of each insurer procured through the respective channel.2) New business premium includes first year premium and single premium.3) The leads obtained through referral arrangements have been included in the respective channels. * Any entity other than banks but licenced as a corporate agent.96
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>STATE WISE INDIVIDUAL NEW BUSINESS UNDERWRITTENSTATEMENT 7(Premium in ` Crore)State / Union Territory Aegon Religare Aviva Bajaj Allianz Bharti AXA Birla Sunlife Canara HSBC DLF Pramerica Future Generali HDFC StandardNo. of Prem- No. of Prem- No. of Prem- No. of Prem- No. of Prem- No. of Prem- No. of Prem- No. of Prem- No. of Prempoliciesium policies ium policies ium policies ium policies ium policies ium policies ium policies ium policies iumAndhra Pradesh 2857 9.51 14052 34.94 202133 296.40 11286 25.91 145625 <strong>10</strong>3.56 6017 34.66 84 0.11 23750 32.59 84814 157.99Arunachal Pradesh 0 0.00 486 1.68 1923 5.77 0 0.000 562 0.00 1 0.01 1 0.00 0 0.00 0 0Assam 426 0.98 6797 13.75 56269 88.89 <strong>10</strong>37 2.370 54919 40.50 515 1.53 296 0.29 4394 5.14 9035 25.87Bihar 0 0.00 11741 18.98 217670 300.26 1899 3.81 80881 82.39 2871 12.94 3013 3.42 23967 25.83 7513 21.50Chattisgarh 820 2.49 2357 5.30 33938 64.62 3067 7.75 14573 20.74 569 2.30 86 0.12 1284 2.16 6580 17.46Goa 259 0.92 635 4.26 2773 11.57 568 2.183 3445 7.88 355 3.44 5 0.00 613 1.14 3773 25.80Gujarat 2336 6.04 <strong>10</strong>541 39.67 86571 177.37 1<strong>10</strong>02 26.72 56972 75.15 2629 18.75 752 1.57 14448 20.45 55384 197.18Haryana 1725 3.69 9135 31.67 31166 61.92 1977 4.01 25609 56.57 6242 31.46 1975 3.84 8216 11.12 35006 <strong>10</strong>3.73Himachal Pradesh 0 0.00 <strong>10</strong>49 1.95 17821 37.54 496 1.02 5313 7.34 484 1.60 193 0.50 1938 3.12 3034 <strong>10</strong>.87Jammu & Kashmir 0 0.00 <strong>10</strong>38 2.15 18455 50.39 743 1.520 1622 2.659 7 0.023 50 0.09 1525 2.14 3626 14.22Jharkhand 1286 2.40 5212 11.51 91160 154.81 5077 11.59 32705 30.58 1169 3.34 84 0.12 5137 7.49 7048 25.40Karnataka 2855 <strong>10</strong>.26 7543 32.32 163770 221.23 11696 31.02 82725 1<strong>10</strong>.69 <strong>10</strong>802 63.54 87 0.40 11199 16.91 43662 181.88Kerala 1413 4.85 6848 29.37 60999 214.66 7329 18.89 20742 49.75 3786 29.07 312 1.02 16680 27.81 45840 204.15Madhya Pradesh 1506 4.00 13974 25.90 64666 114.41 4763 9.24 99656 56.96 <strong>10</strong>27 4.37 136 0.19 5155 7.38 30747 73.50Maharashtra 13647 32.92 22067 <strong>10</strong>1.85 142681 359.56 24149 59.94 409184 964.22 11135 150.86 92 0.35 40808 64.64 314429 611.30Manipur 0 0.00 73 0.31 17303 13.72 0 0.00 13159 2.02 2 0.01 0 0.00 0 0.00 0 0Meghalaya 0 0.00 192 0.44 1375 3.24 152 0.57 3963 5.90 45 0.20 8 0.01 0 0.00 758 2.07Mizoram 0 0.00 82 0.24 1247 6.89 0 0.00 435 1.669 1 0.0<strong>10</strong> 0 0.00 0 0.00 0 0Nagaland 0 0.00 71 0.25 1870 2.34 0 0.00 9623 4.76 1 0.01 0 0.00 0 0.00 0 0Orissa 917 1.79 <strong>10</strong>377 25.84 125300 204.20 3788 9.13 51723 49.27 <strong>10</strong>19 2.70 387 0.40 9661 15.21 14296 45.91Punjab 2236 6.52 16694 59.29 46938 126.70 9073 22.30 27073 49.13 11388 38.59 7096 16.49 8587 13.31 28292 116.08Rajasthan 1<strong>10</strong>9 2.47 23527 52.79 53787 90.13 6634 15.27 67147 67.61 6534 17.04 502 0.74 15940 20.42 28114 67.55Sikkim 0 0.00 390 1.20 1380 7.39 240 0.64 792 1.791 48 0.488 0 0.00 0 0.00 630 3.42Tamil Nadu 3340 12.56 15071 59.13 196819 242.05 14932 32.37 72751 70.17 7526 48.18 73 0.<strong>10</strong> 20263 27.61 489<strong>10</strong> 178.72Tripura 0 0.00 1626 3.51 11770 16.09 0 0.00 5341 1.96 61 0.22 0 0.00 0 0.00 3224 8.21Uttar Pradesh 5666 18.85 19709 47.26 270376 436.86 26504 40.36 278544 186.71 11668 36.57 1536 2.02 39330 53.55 61379 180.26Uttrakhand 853 1.27 5002 11.74 24681 47.02 2238 4.86 <strong>10</strong>489 12.74 1756 4.08 <strong>10</strong>6 0.19 1183 2.41 4573 13.76West Bengal 2426 <strong>10</strong>.46 16831 50.53 246368 392.66 12335 30.16 163331 141.79 5084 46.90 521 0.61 63692 68.16 46003 149.65Andaman & Nicobar Islands 0 0.00 5 0.0<strong>10</strong> 594 0.92 0 0.00 0 0.00 4 0.07 0 0.00 0 0.00 0 0Chandigarh 1373 4.18 <strong>10</strong>85 4.04 2587 7.03 4033 9.69 2099 5.70 670 4.07 482 1.<strong>10</strong> 1509 2.59 11694 46.97Dadra & Nagrahaveli 0 0.00 115 0.47 295 0.61 0 0.00 0 0.00 25 0.09 3 0.01 0 0.00 0 0Daman & Diu 0 0.00 44 0.<strong>10</strong> 357 0.70 0 0.00 0 0.00 8 0.04 4 0.03 0 0.00 0 0Delhi 2798 14.16 14791 68.67 31645 123.14 13732 40.21 279<strong>10</strong> 73.02 6333 58.49 1600 3.62 16414 23.<strong>10</strong> 49927 261.65Lakshadweep 0 0.00 1 0.00 150 0.75 0 0.00 0 0.00 8 0.03 0 0.00 0 0.00 0 0Puducherry 0 0.00 382 0.90 2652 3.48 0 0.00 1808 3.51 66 0.30 0 0.00 0 0.00 1969 8.44Company Total 49848 150.31 239543 742.02 2229489 3885.32 178750 411.54 1770721 2286.74 99856 615.98 19484 37.35 335693 454.31 950260 2753.5597
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>STATE WISE INDIVIDUAL NEW BUSINESS UNDERWRITTENCont’d... STATEMENT 7(Premium in ` Crore)State / Union Territory ICICI Prudential IDBI Federal IndiaFirst ING Vysya Kotak Mahindra Max NewYork MetLife Reliance Life SaharaNo. of Prem- No. of Prem- No. of Prem- No. of Prem- No. of Prem- No. of Prem- No. of Prem- No. of Prem- No. of Prempoliciesium policies ium policies ium policies ium policies ium policies ium policies ium policies ium policies iumAndhra Pradesh 186352 314.79 7564 19.35 11589 28.30 65930 150.32 <strong>10</strong>503 33.74 70667 118.69 18340 55.74 111205 204.57 2450 3.19Arunachal Pradesh 0 0.00 64 0.53 15 0.03 4 0.01 0 0.00 0 0.00 0 0.00 2005 7.20 0 0.00Assam 27319 85.28 1486 3.66 372 1.29 2369 5.71 4836 15.24 11124 17.25 61<strong>10</strong> 21.74 13<strong>10</strong>58 129.85 647 0.90Bihar 66479 133.30 1304 3.52 1355 2.58 509 1.07 1123 3.89 12439 19.99 4934 8.94 165953 182.86 20136 21.83Chattisgarh 15098 40.02 608 2.78 947 2.78 1219 2.04 864 3.14 8041 13.93 3114 8.45 13854 23.44 825 1.17Goa 2707 17.16 749 4.12 785 2.40 1437 3.88 474 3.61 9091 23.30 986 4.55 2590 11.979 0 0.00Gujarat 99062 401.40 3831 18.73 <strong>10</strong>741 55.16 <strong>10</strong>441 27.66 44642 163.85 759<strong>10</strong> 167.77 14735 41.06 74081 222.52 3404 4.67Haryana 23635 53.40 1933 7.82 1172 2.26 6670 12.85 21496 54.28 39073 76.98 4846 13.04 28091 41.08 2067 2.71Himachal Pradesh 29275 32.25 131 0.36 201 0.48 1623 3.35 0 0.00 8191 11.54 0 0.00 <strong>10</strong>229 26.07 0 0.00Jammu & Kashmir 13976 38.70 125 0.46 40 0.06 1619 2.99 931 2.46 6836 11.86 35723 95.68 12981 27.92 0 0.00Jharkhand 30574 93.71 1273 4.04 577 1.40 697 1.52 4578 12.07 8311 14.86 3886 <strong>10</strong>.20 45690 44.33 3017 4.74Karnataka 151678 279.56 5581 19.95 1377 4.47 45450 <strong>10</strong>8.35 13286 59.12 30760 73.98 25242 <strong>10</strong>3.64 55997 112.73 704 1.43Kerala 72809 399.96 15136 116.87 989 3.43 16442 32.51 6999 22.18 27041 52.76 22034 90.82 26541 98.51 0 0.00Madhya Pradesh 36213 <strong>10</strong>0.59 2800 8.28 2021 4.92 7270 12.61 6583 17.66 24431 39.67 3415 9.93 53086 131.92 1833 2.66Maharashtra 208071 983.28 19923 66.02 7337 21.67 16378 42.05 68089 291.60 133968 317.98 26992 124.41 <strong>10</strong>2447 283.55 921 1.66Manipur 839 1.67 174 0.51 79 0.28 13 0.03 0 0.00 3351 5.20 0 0.00 0 0.00 0 0.00Meghalaya 360 0.85 64 0.84 118 0.12 16 0.04 0 0.00 318 0.87 0 0.00 3097 5.55 0 0.00Mizoram 373 1.98 80 0.50 <strong>10</strong> 0.00 0 0.00 0 0.00 0 0.00 0 0.00 729 4.30 0 0.00Nagaland 0 0.00 82 1.01 26 0.15 12 0.05 0 0.00 16 0.02 0 0.00 319 7.02 0 0.00Orissa 92243 117.72 4464 2.12 1613 3.51 <strong>10</strong>615 22.87 1979 5.46 27017 38.14 4313 <strong>10</strong>.46 57875 67.71 2154 2.75Punjab 85294 329.73 2646 <strong>10</strong>.65 864 3.98 8618 18.15 18856 56.20 43025 93.84 17897 57.80 32536 <strong>10</strong>4.07 222 0.25Rajasthan 76201 162.89 3702 12.19 7046 13.77 12507 19.27 9581 26.94 43256 75.35 8<strong>10</strong>0 13.31 48430 99.29 9056 14.31Sikkim 600 2.14 28 0.35 6 0.02 88 0.14 0 0.00 0 0.00 0 0.00 213 0.78 0 0.00Tamil Nadu 114526 430.60 5759 17.34 2714 6.90 44079 80.70 16683 50.85 51739 97.44 136<strong>10</strong> 46.93 71846 151.42 6<strong>10</strong> 0.82Tripura 4211 9.83 52 0.33 45 0.12 5 0.01 0 0.00 1592 3.39 34 0.13 5028 17.69 0 0.00Uttar Pradesh 196132 384.25 7822 30.92 12879 26.79 16250 35.33 17686 50.06 84157 134.75 29125 48.57 199489 376.54 29980 35.18Uttrakhand 30077 35.93 940 4.79 1575 3.17 3414 8.06 1997 4.56 15364 27.85 2541 7.96 23769 13.14 554 0.90West Bengal 95274 296.36 3852 17.15 1944 5.87 6865 14.76 13011 41.95 129865 114.11 30788 <strong>10</strong>5.01 980912 793.81 4196 6.17Andaman & Nicobar Islands <strong>10</strong>22 2.33 13 0.02 0 0.00 3 0.02 0 0.00 962 1.53 0 0.00 0 0.00 0 0.00Chandigarh 0 0.00 461 1.73 147 0.26 626 1.71 2332 6.72 11445 18.62 0 0.00 3178 17.35 202 0.31Dadra & Nagrahaveli 0 0.00 27 0.05 91 0.38 172 0.36 520 1.40 0 0.00 0 0.00 0 0.00 0 0.00Daman & Diu 0 0.00 11 0.04 38 0.18 5 0.01 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00Delhi <strong>10</strong>0827 463.89 4034 23.31 1998 4.77 8736 23.57 52665 184.81 72519 186.03 14960 58.31 60022 178.<strong>10</strong> <strong>10</strong>55 1.19Lakshadweep 0 0.00 0 0.00 0 0.00 35 0.<strong>10</strong> 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00Puducherry 0 0.00 45 0.11 45 0.09 638 1.22 459 0.88 1331 1.76 12 0.03 2380 3.21 0 0.00Company Total 1761227 5213.55 96764 400.45 70756 201.59 290755 633.33 320173 1112.65 951840 1759.47 291737 936.70 2325631 3388.52 84033 <strong>10</strong>6.8498
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>STATE WISE INDIVIDUAL NEW BUSINESS UNDERWRITTENCont’d... STATEMENT 7(Premium in ` Crore)State / Union Territory SBI Life Shriram Star Union TATA AIG State Total (Private) LIC # State Total (Industry)No. of Prem- No. of Prem- No. of Prem- No. of Prem- No. of Prem- No. of Prem- No. of Prempoliciesium policies ium policies ium policies ium policies ium policies ium policies iumAndhra Pradesh 144823 477.88 65379 179.58 3811 14.54 80451 42.96 1269682 2339.31 3764291 3233.06 5033973 5572.37Arunachal Pradesh 2121 6.89 1 0.00 0 0.00 0 0.00 7183 22.13 14292 18.61 21475 40.74Assam 51386 71.99 6 0.01 562 1.07 31247 61.84 4022<strong>10</strong> 595.16 744894 797.76 1147<strong>10</strong>4 1392.92Bihar 56590 165.54 342 0.51 4018 15.53 25872 46.96 7<strong>10</strong>609 <strong>10</strong>75.65 2163953 1693.13 2874562 2768.78Chattisgarh 37872 <strong>10</strong>9.57 1824 4.96 1219 6.58 8153 11.05 156912 352.85 578344 365.48 735256 718.33Goa 4448 23.50 34 0.13 571 5.01 1262 2.96 37560 159.79 83746 272.17 121306 431.96Gujarat 46585 211.22 3152 5.14 5582 36.71 39568 75.34 672369 1994.<strong>10</strong> 1835974 3292.69 2508343 5286.79Haryana 23244 80.38 1205 1.29 1514 7.16 17111 32.39 293<strong>10</strong>8 693.66 671778 792.31 964886 1485.97Himachal Pradesh <strong>10</strong>974 41.48 47 0.064 255 0.818 5563 11.61 96817 191.96 474289 767.60 571<strong>10</strong>6 959.56Jammu & Kashmir 4358 15.04 4 0.00 290 1.73 0 0.00 <strong>10</strong>3949 270.09 208416 322.80 312365 592.89Jharkhand 29438 72.60 918 1.71 <strong>10</strong>046 40.13 14044 30.11 301927 578.65 744392 875.57 <strong>10</strong>46319 1454.22Karnataka 83932 278.14 5674 19.69 2773 11.14 21324 40.53 778117 1780.97 2607429 2933.67 3385546 4714.64Kerala 90348 331.16 4138 8.75 2273 15.25 28534 72.71 477233 1824.48 1958138 28<strong>10</strong>.58 2435371 4635.06Madhya Pradesh 80241 251.97 2911 7.26 14712 45.27 6926 11.58 464072 940.28 1580724 2232.19 2044796 3172.47Maharashtra 135113 391.38 5168 14.59 19320 <strong>10</strong>5.65 77194 155.90 1799113 5145.39 3672679 7331.04 5471792 12476.44Manipur 6364 7.86 6 0.01 0 0.00 0 0.00 41363 31.62 41477 76.50 82840 <strong>10</strong>8.12Meghalaya 2563 5.22 0 0.00 74 0.17 200 0.96 13303 27.05 14336 57.48 27639 84.53Mizoram 969 1.31 0 0.00 0 0.00 3<strong>10</strong> 1.45 4236 18.34 5182 29.80 9418 48.14Nagaland 3246 4.99 1 0.00 1 0.00 0 0.00 15268 20.60 17798 51.96 33066 72.56Orissa 69925 192.30 378 1.12 2933 11.76 62072 56.64 555049 887.03 1271449 1174.36 1826498 2061.39Punjab 25138 <strong>10</strong>0.24 1631 1.94 4060 31.27 5703 11.23 403867 1267.75 <strong>10</strong>00324 1275.47 1404191 2543.22Rajasthan 70845 267.86 1380 2.17 2639 <strong>10</strong>.63 32811 39.69 528848 <strong>10</strong>91.70 2083347 2279.89 2612195 3371.59Sikkim 436 2.03 1 0.001 83 0.630 0 0.08 4935 21.11 14958 17.47 19893 38.58Tamil Nadu 168974 492.32 40166 121.45 6634 20.66 62014 74.36 979039 2262.70 2913816 3769.96 3892855 6032.66Tripura 2149 3.55 30 0.13 7 0.04 3864 7.44 39039 72.64 93978 151.44 133017 224.08Uttar Pradesh 92250 347.78 1606 3.73 15557 64.29 343<strong>10</strong> 57.75 1451955 2598.37 4724<strong>10</strong>2 5002.93 6176057 7601.30Uttrakhand 13866 59.76 474 1.12 733 2.70 0 0.00 146185 268.01 531918 617.37 678<strong>10</strong>3 885.38West Bengal 68825 313.64 336 0.70 4614 17.29 99591 211.59 1996664 2829.31 3700722 4826.30 5697386 7655.61Andaman & Nicobar Islands 313 1.64 18 0.04 0 0.00 0 0.00 2934 6.58 20397 63.84 23331 70.42Chandigarh 2577 12.29 268 0.32 304 1.46 6470 12.89 53542 159.03 8<strong>10</strong>69 564.23 134611 723.26Dadra & Nagrahaveli 137 0.56 0 0.000 8 0.040 0 0.00 1393 3.98 0 0.00 1393 3.98Daman & Diu 129 0.78 49 0.15 7 0.03 0 0.000 652 2.05 2434 1<strong>10</strong>.17 3086 112.22Delhi 18730 138.80 1212 2.53 3517 22.52 24602 65.39 530027 2019.28 1175340 2553.26 1705367 4572.54Lakshadweep <strong>10</strong> 0.03 1 0.00 0 0.00 0 0.000 205 0.91 52 0.052 257 0.96Puducherry 4312 13.57 999 3.00 75 0.33 0 0.00 17173 40.84 42615 52.54 59788 93.38Company Total 1353231 4495.26 139359 382.09 <strong>10</strong>8192 490.40 689196 1135.41 14356538 31593.37 38838653 50413.69 53195191 82007.05# Does not include its overseas new business premium.99
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>INDIVIDUAL BUSINESS (WITHIN INDIA) - BUSINESS IN FORCE (NUMBER OF POLICIES)STATEMENT 8(Policies in ’000)Insurer Life Business General annuity and pension Business Health Linked Linked TotalBusiness Business # HealthBusinessBusiness Additions* Deletions** Business Business Additions* Deletions** Business Business Business Business BusinessIn force In force In force In force In force In force In force In forceas at as at as at as at as at as at as at as at01-04-<strong>2009</strong> 31-03-20<strong>10</strong> 01-04-<strong>2009</strong> 31-03-20<strong>10</strong> 31-03-20<strong>10</strong> 31-03-20<strong>10</strong> 31-03-20<strong>10</strong> 31-03-20<strong>10</strong>Aegon Religare 5.51 11.80 2.48 14.83 0.00 0.00 0.00 0.00 0.00 44.34 0.00 59.17Aviva 61.80 37.48 37.64 61.64 0.<strong>10</strong> 0.28 0.<strong>10</strong> 0.28 0.00 921.54 0.00 983.46Bajaj Allianz 721.09 333.91 114.30 940.70 6.65 0.73 0.48 6.90 81.94 7247.94 0.00 8277.48Bharti AXA 38.83 24.53 18.57 44.79 0.00 0.00 0.00 0.00 6.00 257.47 0.00 308.26Birla Sun Life 675.92 738.69 421.43 993.18 0.01 0.16 0.03 0.14 7.71 2304.84 5.78 3311.65Canara HSBC 0.17 0.69 0.05 0.81 0.00 0.00 0.00 0.00 0.00 129.34 0.00 130.15DLF Pramerica 0.63 1.61 0.84 1.40 0.00 0.00 0.00 0.00 0.00 19.84 0.00 21.24Futura Generali 56.39 167.33 45.25 178.47 2.14 1.89 0.08 3.95 0.00 196.95 0.00 379.37HDFC Standard 1244.33 426.59 173.62 1497.30 79.12 13.11 12.29 79.94 0.00 1666.98 0.00 3244.22ICICI Prudential 1311.84 522.91 863.25 971.50 56.81 2.60 2.07 57.34 115.19 5089.19 87.83 6321.04IDBI Federal <strong>10</strong>.47 37.18 0.20 47.45 0.00 0.00 0.00 0.00 0.00 114.70 0.00 162.15IndiaFirst 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 70.47 0.00 70.47ING Vysya 362.65 165.03 95.61 432.07 70.75 24.05 5.60 89.20 0.00 663.67 0.00 1184.94Kotak Mahindra 156.83 33.66 27.78 162.71 5.96 0.35 0.40 5.91 0.00 912.64 0.00 <strong>10</strong>81.26Max New York 1135.46 472.99 266.18 1342.27 6.81 0.42 0.70 6.53 41.76 1586.93 0.00 2977.49MetLife 175.53 <strong>10</strong>4.03 49.43 230.13 0.73 0.08 0.05 0.76 9.70 563.02 0.00 803.61Reliance 234.<strong>10</strong> 450.37 84.26 600.21 0.00 0.00 0.00 0.00 0.00 3980.90 51.83 4632.94Sahara <strong>10</strong>1.<strong>10</strong> 38.01 22.84 116.27 0.31 0.01 0.01 0.31 0.00 166.06 0.00 282.64SBI Life 488.95 146.80 57.01 578.74 122.52 19.38 8.68 133.22 0.00 3167.14 0.00 3879.<strong>10</strong>Shriram 38.36 17.74 16.31 39.80 0.00 0.01 0.00 0.01 0.00 285.22 0.00 325.03Star Union Dai-ichi 0.62 11.94 0.33 12.23 0.00 0.01 0.00 0.01 0.00 <strong>10</strong>6.11 0.00 118.35Tata AIG 7<strong>10</strong>.08 288.02 257.61 740.49 19.92 0.46 1.06 19.32 <strong>10</strong>1.11 932.58 15.68 1809.18Sub Total 7530.66 4031.32 2554.99 9006.99 371.83 63.54 31.55 403.82 363.40 30427.87 161.12 40363.20LIC 2<strong>10</strong>154.04 32907.33 17003.48 226057.89 2788.78 255.92 264.86 2779.84 0.00 49434.28 291.40 278563.41Total 217684.70 36938.65 19558.47 235064.88 3160.61 319.46 296.41 3183.66 363.40 79862.15 452.51 318926.60* Includes New Policies issued, Old Policies reinstated/revived.** Includes policy terminations by death, maturity, lapse, surrenders or cancellations.# Excluding linked Health Business, if any.Source data: Actuarial Report and Abstract as on 31.03.20<strong>10</strong><strong>10</strong>0
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>INDIVIDUAL BUSINESS (WITHIN INDIA) - BUSINESS IN FORCE (SUM ASSURED)STATEMENT 9(` Crore)Insurer Life Business General annuity and pension Business Health Linked Linked TotalBusiness Business # HealthBusinessBusiness Additions* Deletions** Business Business Additions* Deletions** Business Business Business Business BusinessIn force In force In force In force In force In force In force In forceas at as at as at as at as at as at as at as at01-04-<strong>2009</strong> 31-03-20<strong>10</strong> 01-04-<strong>2009</strong> 31-03-20<strong>10</strong> 31-03-20<strong>10</strong> 31-03-20<strong>10</strong> 31-03-20<strong>10</strong> 31-03-20<strong>10</strong>Aegon Religare 5.51 11.80 2.48 14.83 0.00 0.00 0.00 0.00 0.00 44.34 0.00 59.17Bajaj Allianz 15195.38 7495.90 3593.20 19098.07 225.78 13.03 19.66 219.15 2825.<strong>10</strong> 178770.14 0.00 <strong>2009</strong>12.46Reliance 6069.01 4485.21 1831.29 8722.92 0.00 0.00 0.00 0.00 0.00 40591.93 <strong>10</strong>85.90 50400.76Aviva 828.22 2750.66 432.50 3146.38 2.57 1.83 2.51 1.89 0.00 26906.63 0.00 30054.90Birla Sun Life 4830.08 2819.34 1<strong>10</strong>5.86 6543.55 0.04 0.03 0.00 0.07 773.32 <strong>10</strong>9029.13 578.30 116924.37HDFC Standard 22251.64 <strong>10</strong>524.66 3231.83 29544.47 1501.86 314.94 237.05 1579.75 0.00 57891.87 0.00 89016.09ICICI Prudential 29118.02 9026.80 <strong>10</strong>798.02 27346.81 1567.57 62.03 77.73 1551.87 19585.83 89387.98 111.86 137984.34ING Vysya 7253.20 2789.89 1844.78 8198.31 213.26 168.57 21.95 359.89 0.00 11476.51 0.00 20034.70Max New York 40914.36 12295.79 11656.13 41554.02 139.28 7.80 13.74 133.34 735.28 47876.49 0.00 90299.13MetLife 7197.76 3706.66 1568.08 9336.34 15.13 1.87 1.64 15.37 44.34 31918.08 0.00 41314.13Kotak Mahindra 8478.59 1967.00 1707.43 8738.16 235.51 5.56 17.27 223.80 0.00 29030.47 0.00 37992.43SBI Life 14455.35 5642.22 2079.61 18017.96 975.61 176.92 336.09 816.43 141.81 55777.33 0.00 74753.53Tata AIG 13517.96 3158.44 1830.53 14845.86 443.97 9.48 19.56 433.89 5367.02 3<strong>10</strong>35.20 2380.46 54062.44Sahara India 1453.91 591.53 345.33 1700.11 7.67 0.38 0.64 7.41 0.00 2875.37 0.00 4582.89Shriram 916.14 326.76 253.83 989.07 0.02 0.11 0.00 0.12 0.00 7544.03 0.00 8533.22Bharti AXA 1313.59 12<strong>10</strong>.01 1112.09 1411.51 0.00 0.00 0.00 0.00 126.30 5487.14 0.00 7024.95Futura Generali 2041.28 3844.93 1706.84 4179.38 0.68 0.55 0.00 1.23 0.00 5042.83 0.00 9223.44IDBI Federal <strong>10</strong>26.27 4060.18 23.69 5062.76 0.00 0.00 0.00 0.00 0.00 2747.07 0.00 7809.83Canara HSBC 59.27 341.25 34.24 366.27 0.00 0.00 0.00 0.00 0.00 6786.04 0.00 7152.31Aegon Religare 903.08 2823.34 439.05 3287.37 1.37 12.16 1.37 12.16 0.00 1192.62 0.00 4492.15DLF Pramerica 49.19 122.55 58.01 113.73 0.00 0.00 0.00 0.00 0.00 551.99 0.00 665.72Star Union Dai-ichi 15.04 273.18 8.21 280.01 0.00 669.41 0.00 669.41 0.00 1854.13 0.00 2803.56IndiaFirst 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 566.03 0.00 566.03Sub Total 177887.34 80256.28 45660.56 212483.06 5330.33 1444.67 749.20 6025.80 29599.00 744339.01 4156.52 996603.39LIC 1784879.93 454767.14 178613.36 206<strong>10</strong>33.71 46963.83 6280.88 6318.14 46926.56 0.00 223125.44 <strong>10</strong>851.57 2341937.28Total 1962767.26 535023.43 224273.93 2273516.76 52294.16 7725.55 7067.34 52952.36 29599.00 967464.45 15008.09 3338540.67* Includes New Policies issued, Old Policies reinstated/revived.** Includes policy terminations by death, maturity, lapse, surrenders or cancellations.# Excluding linked Health Business, if any.Source data: Actuarial Report and Abstract as on 31.03.20<strong>10</strong><strong>10</strong>1
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>LINKED AND NON-LINKED PREMIUM OF LIFE INSURERS FOR <strong>2009</strong>-<strong>10</strong>STATEMENT <strong>10</strong>(Premium in ` Crore)Insurer Total Premium Linked Premium Non-Linked PremiumRegular Single First Year Renewal Total Regular Single First Year Renewal Total Regular Single First Year Renewal TotalLIC 26184.48 45337.42 71521.90 114555.41 186077.31 4840.47 23245.78 28086.26 19175.90 47262.15 21344.01 22091.64 43435.65 95379.51 138815.16ING Vysya 626.66 15.77 642.43 <strong>10</strong>00.22 1642.65 311.88 6.87 318.74 732.00 <strong>10</strong>50.75 314.79 8.90 323.69 268.21 591.90HDFC Standard 2983.89 273.62 3257.51 3747.60 7005.<strong>10</strong> 2476.44 216.00 2692.44 3081.19 5773.63 507.45 57.61 565.06 666.41 1231.47Birla Sun Life 2917.26 42.75 2960.01 2545.65 5505.66 2887.42 40.92 2928.34 2514.84 5443.18 29.85 1.82 31.67 30.80 62.47ICICI Prudential 6058.51 275.53 6334.03 <strong>10</strong>197.84 16531.88 5960.48 113.15 6073.63 9746.75 15820.38 98.03 162.37 260.40 451.09 711.50Kotak Mahindra <strong>10</strong>83.77 250.22 1333.98 1534.07 2868.05 <strong>10</strong>14.41 187.63 1202.03 1416.02 2618.06 69.36 62.59 131.95 118.04 249.99Tata AIG 1273.62 48.39 1322.01 2171.76 3493.78 <strong>10</strong>93.95 19.42 1113.37 1543.58 2656.95 179.67 28.97 208.64 628.19 836.83SBI Life 6281.82 758.93 7040.74 3063.28 <strong>10</strong><strong>10</strong>4.03 3820.70 535.30 4356.00 2444.60 6800.60 2461.12 223.63 2684.75 618.68 3303.43Bajaj Allianz 3571.35 879.75 4451.<strong>10</strong> 6968.61 11419.71 2952.65 796.19 3748.84 6536.42 <strong>10</strong>285.27 618.70 83.56 702.26 432.19 1134.45Max New York 1647.47 201.60 1849.08 3011.46 4860.54 1208.31 81.54 1289.86 2<strong>10</strong>7.71 3397.56 439.16 120.06 559.22 903.76 1462.98MetLife 987.31 74.54 <strong>10</strong>61.85 1474.16 2536.01 757.86 30.48 788.34 1282.61 2070.95 229.45 44.06 273.51 191.55 465.06Reliance 3630.15 290.62 3920.78 2684.12 6604.90 3323.31 265.57 3588.88 2567.85 6156.72 306.84 25.06 331.90 116.27 448.17Aviva 744.28 54.<strong>10</strong> 798.37 1579.64 2378.01 698.14 54.04 752.18 1570.66 2322.84 46.14 0.06 46.20 8.98 55.18Sahara 82.53 42.29 124.83 125.77 250.59 41.95 42.29 84.24 77.44 161.68 40.59 0.00 40.59 48.33 88.91Shriram 269.00 150.50 419.50 191.77 611.27 261.80 112.82 374.62 168.88 543.51 7.20 37.68 44.88 22.89 67.76Bharti AXA 405.09 32.35 437.43 232.30 669.73 398.96 3.82 402.77 228.36 631.13 6.13 28.53 34.66 3.94 38.60Future Generali 476.93 9.15 486.08 55.44 541.51 306.67 8.74 315.41 35.43 350.84 170.26 0.41 170.67 20.01 190.68IDBI Federal 285.53 115.02 400.56 170.56 571.12 233.72 <strong>10</strong>9.98 343.70 120.70 464.40 51.81 5.04 56.85 49.87 <strong>10</strong>6.72Canara HSBC 604.17 18.45 622.62 219.83 842.45 602.87 11.91 614.78 219.65 834.42 1.30 6.54 7.84 0.19 8.03Aegon Religare 146.42 3.95 150.37 15.28 165.65 138.06 3.50 141.57 13.73 155.30 8.36 0.45 8.80 1.55 <strong>10</strong>.36DLF Pramerica 36.00 1.38 37.38 1.07 38.44 35.62 1.38 37.00 1.04 38.05 0.38 0.00 0.38 0.02 0.40Star Union Dai-ichi 255.24 264.63 519.87 <strong>10</strong>.50 530.37 233.20 237.67 470.87 <strong>10</strong>.12 480.99 22.04 26.96 49.00 0.38 49.38IndiaFirst 162.74 38.85 201.59 0.01 201.60 162.74 38.85 201.59 0.01 201.60 0.00 0.00 0.00 0.00 0.00Private Total 34529.75 3842.37 38372.12 4<strong>10</strong>00.94 79373.06 28921.13 2918.06 31839.19 36419.61 68258.80 5608.61 924.31 6532.93 4581.33 11114.26Industry Total 60714.23 49179.79 <strong>10</strong>9894.02 155556.35 265450.37 33761.61 26163.84 59925.45 55595.51 115520.96 26952.62 23015.95 49968.57 99960.84 149929.42<strong>10</strong>2
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>LINKED AND NON-LINKED PREMIUM OF LIFE INSURERS FOR 2008-09Cont'd... STATEMENT <strong>10</strong>(Premium in ` Crore)Insurer Total Premium Linked Premium Non-Linked PremiumRegular Single First Year Renewal Total Regular Single First Year Renewal Total Regular Single First Year Renewal TotalLIC 19140.61 34038.47 53179.08 <strong>10</strong>4<strong>10</strong>8.96 157288.04 4459.22 <strong>10</strong>663.35 15122.57 19574.53 34697.<strong>10</strong> 14681.40 23375.11 38056.51 84534.43 122590.94ING Vysya 653.18 35.78 688.95 753.33 1442.28 504.<strong>10</strong> 22.36 526.47 524.61 <strong>10</strong>51.08 149.07 13.41 162.49 228.72 391.21HDFC Standard 2336.36 314.75 2651.11 2913.58 5564.69 1996.62 269.97 2266.58 2462.86 4729.45 339.74 44.78 384.53 450.72 835.24Birla Sun Life 2763.96 56.89 2820.85 1750.95 4571.80 2658.89 40.67 2699.56 1723.32 4422.89 <strong>10</strong>5.07 16.22 121.29 27.63 148.92ICICI Prudential 6345.32 466.51 6811.83 8544.39 15356.22 6162.70 232.82 6395.52 8<strong>10</strong>7.79 14503.31 182.62 233.69 416.31 436.60 852.91Kotak Mahindra 1287.39 55.63 1343.03 <strong>10</strong>00.17 2343.19 1224.75 18.71 1243.46 876.66 2120.12 62.65 36.92 99.56 123.51 223.07Tata AIG <strong>10</strong>70.22 72.45 1142.67 1604.83 2747.50 919.91 38.91 958.82 927.57 1886.39 150.31 33.54 183.85 677.26 861.11SBI Life 4564.89 821.75 5386.64 1825.46 7212.<strong>10</strong> 2736.21 494.49 3230.69 1287.58 4518.27 1828.69 327.26 2155.95 537.88 2693.83Bajaj Allianz 4012.39 479.04 4491.43 6133.09 <strong>10</strong>624.52 3731.30 465.77 4197.07 5789.33 9986.40 281.08 13.28 294.36 343.76 638.12Max New York 1593.72 249.19 1842.91 2014.35 3857.26 1296.16 150.04 1446.21 1230.29 2676.49 297.55 99.15 396.70 784.06 1180.77MetLife <strong>10</strong>66.42 78.28 1144.70 851.94 1996.64 985.20 42.67 <strong>10</strong>27.86 701.47 1729.33 81.22 35.62 116.84 150.48 267.32Reliance 3072.13 441.85 3513.98 1418.56 4932.54 2893.05 548.14 3441.19 1319.32 4760.51 179.08 (<strong>10</strong>6.29) 72.79 99.24 172.03Aviva 678.61 45.95 724.56 1268.31 1992.87 669.42 24.53 693.95 1258.88 1952.83 9.19 21.42 30.61 9.43 40.04Sahara 82.38 51.63 134.01 72.45 206.47 54.70 51.63 <strong>10</strong>6.33 39.18 145.51 27.68 0.00 27.68 33.27 60.95Shriram 178.76 135.71 314.47 121.70 436.17 172.72 135.32 308.05 <strong>10</strong>0.49 408.54 6.03 0.39 6.42 21.21 27.64Bharti AXA 275.68 17.25 292.93 67.48 360.41 228.01 1.65 229.66 61.60 291.26 47.67 15.60 63.27 5.88 69.15Future Generali 144.63 5.33 149.97 2.64 152.60 <strong>10</strong>2.90 4.72 <strong>10</strong>7.62 0.00 <strong>10</strong>7.62 41.73 0.61 42.35 2.64 44.99IDBI Federal 184.21 132.57 316.78 2.20 318.97 183.49 <strong>10</strong>3.85 287.34 1.28 288.62 0.72 28.71 29.43 0.92 30.35Canara HSBC 288.83 7.58 296.41 0.00 296.41 288.57 7.58 296.15 0.00 296.15 0.26 0.00 0.26 0.00 0.26Aegon Religare 28.91 2.30 31.21 0.00 31.21 26.59 0.62 27.20 0.00 27.20 2.32 1.69 4.01 0.00 4.01DLF Pramerica 3.37 0.00 3.37 0.00 3.37 3.24 0.00 3.24 0.00 3.24 0.13 0.00 0.13 0.00 0.13Star Union Dai-ichi 31.69 18.51 50.19 0.00 50.19 30.<strong>10</strong> 14.65 44.75 0.00 44.75 1.59 3.86 5.44 0.00 5.44Private Total 30663.04 3488.97 34152.01 30345.43 64497.44 26868.63 2669.11 29537.74 26412.22 55949.96 3794.41 819.86 4614.26 3933.21 8547.47Industry Total 49803.65 37527.43 87331.09 134454.39 221785.47 31327.85 13332.46 44660.31 45986.75 90647.06 18475.80 24194.97 42670.77 88467.64 131138.41Note: Figures in bracket indicates negative value.<strong>10</strong>3
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>LINKED AND NON-LINKED COMMISSION OF LIFE INSURERSSTATEMENT 11(Commission ` Crore)Insurer <strong>2009</strong>-<strong>10</strong> 2008-09ULIP Traditional Total ULIP Traditional TotalCommission % To % To % To % Of Total Total Commission % to ULIP % to Total Commission % To % of Total TotalULIP Total Commission Traditional Commission Commission Premium Commission Traditional Commission CommissionPremium Commission Premium To Total Premium To TotalPremium PremiumLIC 1481.14 3.13 12.23 <strong>10</strong>629.17 7.66 6.51 121<strong>10</strong>.31 1356.03 3.91 13.52 8677.21 6.38 7.08 <strong>10</strong>033.24ING Vysya 57.46 5.47 47.58 63.30 <strong>10</strong>.69 7.35 120.76 74.26 7.06 67.28 36.12 7.65 9.23 1<strong>10</strong>.38HDFC Standard 337.33 5.84 64.19 188.17 15.28 7.50 525.50 290.58 6.14 68.39 134.31 7.64 16.08 424.89Birla Sun Life 5<strong>10</strong>.61 9.38 98.92 5.59 8.94 9.38 516.20 478.32 <strong>10</strong>.81 99.28 3.47 <strong>10</strong>.54 2.33 481.79ICICI Prudential 561.91 3.55 93.19 41.06 5.77 3.65 602.97 638.45 4.40 91.21 61.54 4.56 7.21 699.99Kotak Mahindra 160.83 6.14 95.78 7.09 2.84 5.85 167.92 214.53 <strong>10</strong>.12 95.16 <strong>10</strong>.91 9.62 4.89 225.43Tata AIG 230.69 8.68 82.14 50.16 5.99 8.04 280.85 193.40 <strong>10</strong>.25 80.66 46.38 8.73 5.39 239.78SBI Life 620.13 9.12 81.78 138.12 4.18 7.50 758.25 419.85 9.29 89.73 48.03 6.49 1.78 467.88Bajaj Allianz 803.43 7.81 83.47 159.13 14.03 8.43 962.57 971.98 9.73 92.43 79.57 9.90 12.47 <strong>10</strong>51.55Max Newyork 273.42 8.05 64.91 147.79 <strong>10</strong>.<strong>10</strong> 8.67 421.21 275.35 <strong>10</strong>.29 70.32 116.23 <strong>10</strong>.15 9.84 391.58MetLife 231.96 11.20 79.30 60.55 13.02 11.53 292.51 321.03 18.56 91.84 28.53 17.51 <strong>10</strong>.67 349.56Reliance 542.50 8.81 86.41 85.36 19.05 9.51 627.85 580.35 12.19 97.23 16.56 12.<strong>10</strong> 9.63 596.91Aviva 151.38 6.52 95.63 6.91 12.53 6.66 158.29 150.54 7.71 99.06 1.42 7.63 3.56 151.96Sahara 12.83 7.93 54.16 <strong>10</strong>.86 12.21 9.45 23.68 13.06 8.97 54.05 11.<strong>10</strong> 11.70 18.21 24.15Shriram 62.35 11.47 93.78 4.14 6.11 <strong>10</strong>.88 66.49 53.00 12.97 94.67 2.98 12.84 <strong>10</strong>.79 55.99Bharti AXA 62.32 9.87 98.20 1.14 2.95 9.47 63.46 37.34 11.00 96.41 1.39 <strong>10</strong>.75 6.59 38.73Future Generali 72.02 20.53 55.63 57.44 30.12 23.91 129.45 13.16 12.23 59.69 8.89 14.44 19.75 22.04IDBI Federal 22.73 4.89 51.43 21.46 20.11 7.74 44.19 14.57 5.05 94.32 0.88 4.84 2.89 15.45Canara HSBC 203.<strong>10</strong> 24.34 99.87 0.26 3.27 24.14 203.37 <strong>10</strong>5.59 35.65 99.95 0.05 35.64 20.66 <strong>10</strong>5.65Aegon Religare 11.73 7.55 94.87 0.63 6.12 7.46 12.36 2.03 7.45 92.49 0.16 7.02 4.11 2.19DLF Pramerica 4.24 11.14 98.86 0.05 12.28 11.15 4.29 0.08 2.45 95.22 0.00 2.48 3.16 0.08Star Union Dai-ichi 33.82 7.03 86.09 5.46 11.06 7.41 39.28 6.47 14.47 95.76 0.29 13.47 5.27 6.76IndiaFirst 14.56 7.22 <strong>10</strong>0.00 0.00 0.00 14.56Private Total 4981.34 7.30 82.53 <strong>10</strong>54.65 9.49 7.60 6036.00 4853.93 8.67 88.86 608.80 8.47 7.16 5462.74Grand Total 6462.48 5.59 35.61 11683.83 7.79 6.84 18146.31 6209.96 6.85 40.07 9286.02 6.99 7.08 15495.98<strong>10</strong>4
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>INDIVIDUAL DEATH CLAIMSSTATEMENT 12(Benefit Amount in ` Crore)Life Insurer Claims pending Claims intimated Total Claims Claims paid Claims Claims written Claims pending Break up of claims pendingat start of year / booked repudiated back at end of year — duration wise (Policies)No of Benefit No of Benefit No of Benefit No of Benefit No of Benefit No of Benefit No of Benefit
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>INDIVIDUAL DEATH CLAIMSCont’d.... STATEMENT 12(Benefit Amount in ` Crore)Life Insurer Claims pending Claims intimated Total Claims Claims paid Claims Claims written Claims pending Break up of claims pendingat start of year / booked repudiated back at end of year — duration wise (Policies)No of Benefit No of Benefit No of Benefit No of Benefit No of Benefit No of Benefit No of Benefit
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>GROUP DEATH CLAIMSSTATEMENT 13(Benefit Amount in ` Crore)Life Insurer Claims pending Claims intimated Total Claims Claims paid Claims Claims written Claims pending Break up of claims pendingat start of year / booked repudiated back at end of year — duration wise (Lives)No of Benefit No of Benefit No of Benefit No of Benefit No of Benefit No of Benefit No of Benefit
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>GROUP DEATH CLAIMSCont’d... STATEMENT 13(Benefit Amount in ` Crore)Life Insurer Claims pending Claims intimated Total Claims Claims paid Claims Claims written Claims pending Break up of claims pendingat start of year / booked repudiated back at end of year — duration wise (Lives)No of Benefit No of Benefit No of Benefit No of Benefit No of Benefit No of Benefit No of Benefit
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>DURATION WISE SETTLEMENT OF DEATH CLAIMS - INDIVIDUAL CATEGORYSTATEMENT 14(Benefit Amount in ` Crore)Life Insurer DurationWithin 30 Days of 31 to 90 Days 91 to 180 Days 181 Days to 1 Year More than 1 Year Total ClaimsIntimation SettledNo. of Benefit No. of Benefit No. of Benefit No. of Benefit No. of Benefit No. of BenefitPolicies Amount Policies Amount Policies Amount Policies Amount Policies Amount Policies AmountAegon Religare 11 0.53 <strong>10</strong> 0.20 2 0.30 1 0.05 0 0.00 24 1.07Aviva 1474 21.83 115 2.50 23 0.43 13 0.24 <strong>10</strong> 0.37 1635 25.37Bajaj Allianz 7567 93.22 9524 143.85 2964 50.87 215 5.88 46 1.<strong>10</strong> 20316 294.92Bharti AXA 156 1.59 147 3.73 69 1.94 9 0.31 1 0.01 382 7.57Birla Sunlife 4676 71.75 577 29.25 16 1.62 5 0.14 1 0.01 5275 <strong>10</strong>2.76Canara HSBC <strong>10</strong> 0.22 19 0.72 6 0.17 1 0.05 0 0.00 36 1.15DLF Pramerica 2 0.00 2 0.47 0 0.00 0 0.00 0 0.00 4 0.48Future Generali 38 0.47 78 1.85 54 1.08 6 0.21 0 0.00 176 3.61HDFC Standard 1977 26.95 <strong>10</strong>62 20.59 314 14.43 115 3.28 29 1.33 3497 66.58ICICI Prudential <strong>10</strong>740 165.25 2231 28.01 <strong>10</strong>16 15.56 462 8.34 30 0.87 14479 218.04IDBI Faderal 59 1.44 28 0.88 17 0.38 0 0.00 0 0.00 <strong>10</strong>4 2.70IndiaFirst 7 0.07 0 0.00 0 0.00 0 0.00 0 0.00 7 0.07ING Vysya 862 <strong>10</strong>.01 543 9.25 234 4.07 72 1.48 9 0.11 1720 24.91Kotak Mahindra <strong>10</strong>78 32.23 431 <strong>10</strong>.30 465 13.25 3 0.05 6 0.09 1983 55.91Max New York 1293 19.19 1632 35.55 943 20.84 75 2.48 0 0.00 3943 78.07MetLife 393 9.66 444 20.42 220 8.12 52 2.26 2 0.04 1111 40.50Reliance Life 6979 62.68 681 12.85 72 2.37 58 1.56 7 0.15 7797 79.61Sahara 12 0.08 146 1.31 171 1.78 <strong>10</strong>3 1.23 29 0.33 461 4.73SBI Life 4205 54.45 1443 28.51 294 7.05 45 1.41 35 1.02 6022 92.44Shriram 123 1.32 168 1.99 143 1.85 18 0.17 9 0.14 461 5.47Star Union Dai-ichi 1 0.02 18 0.43 15 0.16 1 0.01 0 0.00 35 0.61TATA AIG 1705 26.09 935 19.87 92 6.04 0 0.00 0 0.00 2732 52.00Private Total 43368 599.04 20234 372.52 7130 152.31 1254 29.14 214 5.57 72200 1158.58LIC 457655 3345.12 95463 707.60 60148 445.83 35203 260.93 5440 40.07 653909 4799.55Industry Total 50<strong>10</strong>23 3944.16 115697 <strong>10</strong>80.12 67278 598.14 36457 290.07 5654 45.64 726<strong>10</strong>9 5958.13<strong>10</strong>9
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>DURATION WISE SETTLEMENT OF DEATH CLAIMS - GROUP CATEGORYSTATEMENT 15(Benefit Amount in ` Crore)Life Insurer DurationWithin 30 Days of 31 to 90 Days 91 to 180 Days 181 Days to 1 Year More than 1 Year Total ClaimsIntimation SettledNo. of Benefit No. of Benefit No. of Benefit No. of Benefit No. of Benefit No. of BenefitLives Amount Lives Amount Lives Amount Lives Amount Lives Amount Lives AmountAegon Religare 1 0.00 0 0.00 0 0.00 0 0.00 0 0.00 1 0.00Aviva 4466 11.<strong>10</strong> 62 0.37 12 0.02 7 0.03 3 0.01 4550 11.53Bajaj Allianz 33518 51.65 4545 11.47 633 2.02 212 0.71 80 0.21 38988 66.05Bharti AXA 9 0.12 <strong>10</strong> 0.41 0 0.00 0 0.00 0 0.00 19 0.53Birla Sunlife 865 <strong>10</strong>.45 34 0.61 1 0.01 0 0.00 0 0.00 900 11.06Canara HSBC 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00DLF Pramerica 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00Future Generali 733 4.88 <strong>10</strong>28 3.39 357 4.08 82 2.46 36 2.39 2236 17.20HDFC Standard 286 2.36 0 0.00 0 0.00 0 0.00 0 0.00 286 2.36ICICI Prudential 1693 26.51 99 3.58 54 2.40 13 0.55 4 0.30 1863 33.34IDBI Federal 49 0.04 0 0.00 0 0.00 0 0.00 0 0.00 49 0.04IndiaFirst 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00ING Vysya 130 2.00 75 1.13 22 0.32 2 0.01 1 0.01 230 3.46Kotak Mahindra 728 25.05 265 7.00 122 2.75 8 0.17 34 0.65 1157 35.62Max New York 9362 17.82 945 1.85 112 0.20 2 0.00 0 0.00 <strong>10</strong>421 19.87MetLife 801 23.28 1<strong>10</strong> 1.91 33 0.50 9 0.11 1 0.02 954 25.82Reliance Life 1820 23.76 36 1.61 9 0.18 2 0.01 2 0.01 1869 25.59Sahara 1 0.00 5 0.02 1 0.00 0 0.00 0 0.00 7 0.03SBI Life 24389 135.74 989 23.52 163 3.72 75 1.35 201 5.98 25817 170.32Shriram 66 1.56 15 0.33 1 0.00 0 0.00 0 0.00 82 1.89Star Union Dai-ichi 5 0.04 2 0.13 8 0.20 1 0.04 0 0.00 16 0.41TATA AIG 406 4.94 269 6.58 122 2.32 6 0.08 6 0.05 809 13.96Private Total 79328 341.29 8489 63.92 1650 18.72 419 5.52 368 9.63 90254 439.08LIC 215044 1189.90 202 1.99 85 0.93 142 2.23 12 0.23 215485 1195.28Industry Total 294372 1531.19 8691 65.91 1735 19.65 561 7.75 380 9.86 305739 1634.361<strong>10</strong>
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>ASSETS UNDER MANAGEMENT OF LIFE INSURERSSTATEMENT 16(` Crore)Insurer LIFE FUNDCentral Govt - State Govt & Other Infrastructure Approved Other Total (Life Fund)Securities Approved Securities Investments Investments Investments31-Mar-09 31-Mar-<strong>10</strong> 31-Mar-09 31-Mar-<strong>10</strong> 31-Mar-09 31-Mar-<strong>10</strong> 31-Mar-09 31-Mar-<strong>10</strong> 31-Mar-09 31-Mar-<strong>10</strong> 31-Mar-09 31-Mar-<strong>10</strong>LIC 258996.79 294352.98 85995.62 <strong>10</strong>9758.03 62065.43 65755.62 148693.48 173504.87 50735.69 56<strong>10</strong>3.94 606487.01 699475.45TOTAL PUBLIC SECTOR (A) 258996.79 294352.98 85995.62 <strong>10</strong>9758.03 62065.43 65755.62 148693.48 173504.87 50735.69 56<strong>10</strong>3.94 606487.01 699475.45HDFC Standard 1248.42 2042.86 75.54 139.86 496.61 843.82 681.34 1326.27 34.70 98.28 2536.60 4451.08Max New York 1451.75 1683.17 121.44 462.58 504.84 765.19 368.68 575.69 34.16 1.30 2480.87 3487.93ICICI Prudential 1187.06 1797.86 491.20 598.96 526.27 688.31 761.85 1126.00 143.35 115.16 3<strong>10</strong>9.73 4326.29Birla Sun Life 443.02 758.78 9.83 0.00 211.37 414.21 188.39 268.53 16.00 11.25 868.61 1452.77TATA AIG <strong>10</strong>58.64 1533.89 325.62 337.<strong>10</strong> 473.20 489.14 241.60 448.66 24.88 23.68 2123.94 2832.47Kotak Mahindra 471.54 574.08 69.99 145.13 230.57 284.07 <strong>10</strong>9.44 211.52 1.41 1.52 882.95 1216.32SBI Life 1484.59 2040.46 439.48 429.36 663.98 775.20 963.57 1542.24 92.80 13.37 3644.43 4800.63Bajaj Allianz 928.58 1278.47 725.74 1193.44 5<strong>10</strong>.40 <strong>10</strong>45.11 775.97 <strong>10</strong>62.53 5.00 2.79 2945.69 4582.34MetLife 314.46 462.72 121.25 119.96 207.90 316.58 <strong>10</strong>3.38 119.98 47.73 11.27 794.72 <strong>10</strong>30.52Reliance Life 197.22 287.69 95.26 139.19 138.43 169.44 311.12 281.46 12.05 9.13 754.08 886.92ING Vysya 322.94 411.99 128.87 149.09 171.97 262.98 128.72 174.99 61.08 117.31 813.57 1116.36AVIVA Life 298.72 277.50 0.00 6.58 116.99 99.62 135.50 113.01 0.00 0.00 551.21 496.71Sahara 95.14 127.17 63.64 73.11 71.04 98.47 45.72 68.92 5.44 12.72 280.99 380.40Shriram 84.61 90.43 16.68 29.89 40.02 70.16 44.57 41.18 <strong>10</strong>.05 5.76 195.92 237.43Bharti AXA 45.46 67.72 14.86 <strong>10</strong>.11 24.04 29.06 23.19 27.88 7.59 2.66 115.14 137.43IDBI Federal 51.16 90.67 35.17 43.18 47.38 73.69 170.91 76.56 12.00 4.44 316.61 288.55Future Generali 111.33 99.05 0.00 61.59 40.81 59.74 17.94 58.20 5.02 0.72 175.<strong>10</strong> 279.30Canara HSBC 159.36 128.78 15.50 15.47 72.71 37.78 62.57 47.68 0.00 4.30 3<strong>10</strong>.14 234.01Star Union Dai-ichi 66.48 172.38 0.00 51.50 27.59 70.46 27.21 69.52 3.80 4.25 125.07 368.11DLF Pramerica 53.43 51.18 0.00 0.00 17.36 28.14 5.29 5.87 3.04 0.08 79.12 85.26Aegon Religare 20.49 66.52 9.37 9.34 14.41 23.67 <strong>10</strong>.03 7.83 4.59 <strong>10</strong>.21 58.90 117.56IndiaFirst 0.00 150.85 0.00 0.00 0.00 38.69 0.00 <strong>10</strong>1.41 0.00 38.03 0.00 328.98TOTAL PRIVATE SECTOR (B) <strong>10</strong>094.38 14194.22 2759.42 4015.44 4607.90 6683.53 5176.99 7755.94 524.70 488.24 23163.39 33137.37INDUSTRY TOTAL (A+B) 269091.17 308547.21 88755.04 113773.47 66673.33 72439.15 153870.47 181260.81 51260.39 56592.18 629650.40 732612.82111
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>ASSETS UNDER MANAGEMENT OF LIFE INSURERSCont'd... STATEMENT 16(` Crore)Insurer PENSION & GENERAL ANNUITY FUNDCentral Govt - State Govt & Other Approved Total (Pension &Securities Approved Securities Investments General Annuity & Group Fund)Investments31-Mar-09 31-Mar-<strong>10</strong> 31-Mar-09 31-Mar-<strong>10</strong> 31-Mar-09 31-Mar-<strong>10</strong> 31-Mar-09 31-Mar-<strong>10</strong>LIC 44944.06 49563.18 17246.71 21751.06 44943.78 59570.53 <strong>10</strong>7134.55 130884.76TOTAL PUBLIC SECTOR (A) 44944.06 49563.18 17246.71 21751.06 44943.78 59570.53 <strong>10</strong>7134.55 130884.76HDFC Standard 250.30 282.43 12.73 81.70 312.31 290.89 575.35 655.02Max New York 33.53 36.23 3.81 4.87 11.35 13.99 48.69 55.09ICICI Prudential 349.13 648.57 221.48 71.75 396.51 447.21 967.12 1167.53Birla Sun Life 38.49 39.93 7.61 7.65 56.69 62.12 <strong>10</strong>2.79 <strong>10</strong>9.69TATA AIG 151.65 162.00 46.36 59.61 166.45 180.12 364.46 401.73Kotak Mahindra 23.08 22.18 2.32 8.59 14.72 17.08 40.12 47.85SBI Life 979.30 1824.85 839.73 1126.22 2532.51 3737.58 4351.53 6688.65Bajaj Allianz 54.11 202.79 22.46 45.28 75.98 190.23 152.55 438.30MetLife 24.50 44.48 4.08 5.02 0.03 18.17 28.61 67.67Reliance Life 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00ING Vysya 60.69 117.23 27.20 52.14 83.62 180.24 171.51 349.61AVIVA Life 0.00 0.64 0.00 0.37 0.00 0.23 0.00 1.24Sahara 0.51 0.50 0.06 0.06 0.19 0.36 0.76 0.92Shriram 0.00 0.03 0.00 0.00 0.00 0.00 0.00 0.03Bharti AXA 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00IDBI Federal 0.02 0.06 0.00 0.01 0.00 0.03 0.03 0.<strong>10</strong>Future Generali 9.17 15.38 0.00 6.87 4.35 5.32 13.52 27.57Canara HSBC 0.00 5.70 0.00 0.00 0.00 0.64 0.00 6.34Star Union Dai-ichi 0.03 6.90 0.00 3.15 0.01 11.05 0.04 21.<strong>10</strong>DLF Pramerica 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00Aegon Religare 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00IndiaFirst 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00TOTAL PRIVATE SECTOR (B) 1974.51 3409.89 1187.84 1473.30 3654.72 5155.26 6817.07 <strong>10</strong>038.45INDUSTRY TOTAL (A+B) 46918.58 52973.07 18434.55 23224.35 48598.49 64725.79 113951.62 140923.21112
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>ASSETS UNDER MANAGEMENT OF LIFE INSURERSContd... STATEMENT 16(` Crore)Insurer UNIT LINKED FUNDApproved Investments Other Investments Total (ULIP Funds) Total (All Funds)31-Mar-09 31-Mar-<strong>10</strong> 31-Mar-09 31-Mar-<strong>10</strong> 31-Mar-09 31-Mar-<strong>10</strong> 31-Mar-09 31-Mar-<strong>10</strong>LIC 73501.31 130274.06 12470.38 24393.71 85971.69 154667.77 799593.24 985027.98TOTAL PUBLIC SECTOR (A) 73501.31 130274.06 12470.38 24393.71 85971.69 154667.77 799593.24 985027.98HDFC Standard 6658.35 14402.53 525.79 902.83 7184.14 15305.36 <strong>10</strong>296.09 20411.47Max New York 2702.57 5919.28 332.31 658.66 3034.88 6577.94 5564.44 <strong>10</strong>120.96ICICI Prudential 25956.16 46900.16 2657.78 4569.09 28613.94 51469.25 32690.79 56963.07Birla Sun Life 7213.30 12760.23 628.33 1415.61 7841.64 14175.84 8813.04 15738.31TATA AIG 2255.16 5602.53 164.53 549.20 2419.69 6151.73 4908.09 9385.93Kotak Mahindra 2974.99 5276.72 55.81 169.13 3030.80 5445.85 3953.87 67<strong>10</strong>.01SBI Life 5325.57 15891.14 1118.46 1196.16 6,444.03 17087.31 14439.99 28576.58Bajaj Allianz 12481.29 26497.09 1584.02 1917.53 14065.31 28414.62 17163.55 33435.26MetLife 1660.26 4416.25 445.57 436.16 2<strong>10</strong>5.83 4852.42 2929.16 5950.60Reliance Life 4984.98 11886.06 567.40 879.00 5552.38 12765.06 6306.46 13651.98ING Vysya 1336.89 2671.61 238.48 532.44 1575.37 3204.05 2560.44 4670.02AVIVA Life 3059.84 5564.85 309.41 473.71 3369.25 6038.56 3920.45 6536.50Sahara 171.57 426.42 33.31 48.23 204.87 474.65 486.62 855.97Shriram 482.70 <strong>10</strong>89.98 62.90 94.14 545.60 1184.12 741.52 1421.58Bharti AXA 157.67 714.08 41.33 78.22 199.00 792.30 314.14 929.73IDBI Federal 263.75 762.92 13.91 51.<strong>10</strong> 277.66 814.02 594.30 1<strong>10</strong>2.67Future Generali 84.71 273.96 0.00 26.32 84.71 300.28 273.33 607.15Canara HSBC 194.43 <strong>10</strong>08.49 19.45 67.95 213.88 <strong>10</strong>76.44 524.02 1316.79Star Union Dai-ichi 8.17 466.87 0.79 17.87 8.96 484.74 134.08 873.95DLF Pramerica 2.30 27.94 0.25 2.87 2.55 30.81 81.67 116.07Aegon Religare 13.91 120.77 2.68 11.25 16.58 132.02 75.48 249.58IndiaFirst 0.00 159.90 0.00 13.59 0.00 173.49 0.00 502.47TOTAL PRIVATE SECTOR (B) 77988.58 162839.78 8802.49 14111.07 86791.07 176950.85 116771.54 220126.66INDUSTRY TOTAL (A+B) 151489.89 293113.83 21272.87 38504.78 172762.76 331618.62 916364.78 1205154.64113
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>EQUITY SHARE CAPITAL OF LIFE INSURERSSTATEMENT 17Name of the insurer As on Infusion As on Foreign Indian FDI31 st March, During 31 st March, Promoter Promoter (%)<strong>2009</strong> the year 20<strong>10</strong>HDFC Standard 1795.82 172.18 1968.00 511.68 1456.32 26.00ICICI Prudential 1427.26 0.89 1428.14 370.78 <strong>10</strong>57.36 25.96Max New York 1782.43 56.39 1838.82 478.09 1360.73 26.00Kotak Mahindra 5<strong>10</strong>.29 0.00 5<strong>10</strong>.29 132.68 377.61 26.00Birla Sun Life 1879.50 90.00 1969.50 512.07 1457.43 26.00TATA AIG 1519.50 401.00 1920.50 499.33 1421.17 26.00SBI Life <strong>10</strong>00.00 0.00 <strong>10</strong>00.00 260.00 740.00 26.00ING Vysya <strong>10</strong>19.15 0.00 <strong>10</strong>19.15 264.98 754.17 26.00MetLife 1580.00 194.79 1774.79 461.44 1313.34 26.00Bajaj Allianz 150.71 0.00 150.71 39.18 111.53 26.00Reliance 1162.33 2.31 1164.65 0.00 1164.65 0.00Aviva 1491.80 397.00 1888.80 491.09 1397.71 26.00Sahara 232.00 0.00 232.00 0.00 232.00 0.00Shriram 125.00 0.00 125.00 32.50 92.50 26.00Bharti AXA 668.43 462.92 1131.35 251.41 879.94 22.22Future Generali 468.50 233.50 702.00 179.01 522.99 25.50IDBI Federal 450.00 0.00 450.00 117.00 333.00 26.00Canara HSBC 400.00 <strong>10</strong>0.00 500.00 130.00 370.00 26.00DLF Pramerica 137.05 84.25 221.30 57.54 163.76 26.00Aegon Religare 300.00 270.00 570.00 148.20 421.80 26.00Star Union Dai-ichi 150.00 <strong>10</strong>0.00 250.00 65.00 185.00 26.00IndiaFirst* 200.00 200.00 52.00 148.00 26.00Sub Total (Private Sector) 18249.77 2765.22 2<strong>10</strong>14.99 5053.98 15961.01 24.05LIC 5.00 0.00 5.00 0.00 5.00 0.00Total (Life) 18254.77 2765.22 2<strong>10</strong>19.99 5053.98 15966.01 24.04Note : * Insurer has commenced operations in <strong>2009</strong>-<strong>10</strong>(` Crore)114
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>SOLVENCY RATIO OF LIFE INSURERSSTATEMENT 18Insurer March, June, September, December, March,<strong>2009</strong> <strong>2009</strong> <strong>2009</strong> <strong>2009</strong> 20<strong>10</strong>PRIVATE INSURERSAegon Religare 1.93 2.14 1.93 2.07 2.66Aviva 5.91 3.61 5.23 5.59 5.12Bajaj Allianz 2.62 2.35 2.53 2.59 2.68Bharti AXA 2.07 2.16 2.58 1.86 1.68Birla Sun Life 2.44 1.94 1.96 1.75 2.11Canara HSBC 5.74 4.45 3.26 3.89 2.58DLF Pramerica 1.71 1.53 1.59 1.74 1.67Future Generali 3.17 1.99 2.25 2.32 2.34HDFC Standard 2.58 2.32 2.14 1.95 1.80ICICI Prudential 2.31 2.54 2.57 2.89 2.90IDBI Federal 6.11 5.67 5.33 4.91 4.05IndiaFirst * NA NA NA 7.77 5.27ING Vysya 2.26 2.96 2.32 1.82 1.79Max New York 3.04 2.43 2.22 1.90 3.22MetLife 2.27 1.76 1.82 1.65 1.65Kotak Mahindra 2.69 3.02 3.07 3.05 2.79Reliance 2.50 2.25 2.22 1.91 1.86Sahara India 3.60 4.04 4.33 4.51 4.50SBI Life 2.92 2.73 2.64 2.52 2.17Shriram 3.05 2.91 2.63 2.61 2.69Star Union Dai-ichi 2.53 7.89 7.66 7.77 7.46TATA AIG 2.51 1.91 2.05 1.80 2.11PUBLIC INSURERLIC 1.54 1.74 1.72 1.66 1.54* Started business during <strong>2009</strong>-<strong>10</strong>.Source : Actuarial Report and Abstract as on 31.03.<strong>2009</strong> & 31.03.20<strong>10</strong> and respective quarterly Solvency Statements.NA: Not Applicable115
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>LIFE INSURERS : POLICYHOLDERS ACCOUNTSTATEMENT 19(` Lakh)PARTICULARS BIRLA SUN LIFE ICICI PRUDENTIAL ING VYSYA LIC HDFC STANDARD MAX NEW YORK RELIANCE LIFE BAJAJ ALLIANZ LIFE<strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09Premiums earned – net(a) Premium 550566 457180 1653188 1535622 164265 144228 18607731 15728804 7005<strong>10</strong> 556469 486054 385726 660490 493254 1141971 <strong>10</strong>62452(b) Reinsurance ceded (8029) (5517) (5292) (3803) (409) (758) (9492) (<strong>10</strong>091) (4947) (4632) (5968) (3823) (1656) (1720) (2835) (2345)(c) Reinsurance accepted 352 (57)Income from Investments(a) Interest, Dividends & Rent – Gross 52157 38845 136165 114414 15559 <strong>10</strong>244 6719788 5658279 62142 44518 32384 21178 24497 12204 64538 41288(b) Profit on sale/redemption of investments 241291 32790 393183 157903 39112 6432 <strong>10</strong>17242 508993 94552 20341 72233 12000 67713 6418 3347<strong>10</strong> 45921(c) (Loss on sale/ redemption of investments) (34<strong>10</strong>9) (111613) (63470) (329367) (6751) (34378) (192374) (190329) (16419) (54725) (9806) (41177) (18375) (79813) (49701) (217401)(d) Transfer/Gain on revaluation/change in fair value 141402 (27083) 54139 (13933) 3694853 (1699371) 428328 (182065) <strong>10</strong>2913 (14411) 270262 (40188) 643474 (191895)(e) Amortization of Premium/Discount on Investments (426) (6) (458) (383) 1241 577 1316 4035(f) Appropriation/Expropriation Adjustment Account (2702) 160 4136Unrealised Gains/Loss 1294821 (557821)Other Income 1435 1709 422 381 1499 2249 34053 31838 3029 3555 46 95 864 240 2816 119<strong>10</strong>Transfer from Shareholders’ Account 47975 76399 52550 94857 14630 20840 35594 61490 5862 37158 30534 1<strong>10</strong>618 6945 16391Unit Linked RecoveriesTOTAL (A) 992261 462705 3458864 <strong>10</strong>12345 282045 134926 29872155 20028065 1306468 444568 684959 397324 <strong>10</strong>35645 505047 2141918 766322Commission 51620 48179 60297 69999 12076 1<strong>10</strong>38 121<strong>10</strong>31 <strong>10</strong>03324 52550 42489 42121 39158 62785 59691 96257 <strong>10</strong>5155Operating Expenses related to Insurance Business 132675 124876 256915 274059 46727 46392 1224582 906429 150904 176007 150439 160896 163673 192297 177163 187579Provision for doubtful debts (<strong>10</strong>4530) 27311 22 132Adjustment related to previous yearBad debts written off 20 6Provision for Tax 615 (305) 2114 223 362529 334848 663 794 791 6531 1577Provisions (other than taxation) 50455 93177(a) For diminution in the value of investments (Net)(b) Others 12256 1909TOTAL (B) 184295 173670 316907 346172 58803 57652 2756324 2366998 203454 219159 192602 <strong>2009</strong>86 226459 252778 279951 294311Benefits Paid (Net) 113878 64644 720999 220656 24544 13371 7913066 5247814 133789 68127 58917 22082 69342 15553 263020 75651Interim Bonuses Paid 5 5 7 7 <strong>10</strong>0354 77223 37 ‘ 5 5 <strong>10</strong>4 5Change in valuation of liability in respect of life policies(a) Gross* 683250 212457 2291183 424219 196597 65026 11722395 <strong>10</strong>771117 952640 134542 419620 176276 731162 235123 122952 73692(b) Amount ceded in Reinsurance (7599) (1235) <strong>10</strong>4 (89) (2546) 6028 (<strong>10</strong>50) (480)(c) Amount accepted in Reinsurance(d) Transfer to Linked Fund (Fund Reserve) 7276923 1472001 1434932 311113TOTAL ( C ) 789529 275865 3012187 644880 221251 78314 27012738 17568156 <strong>10</strong>83920 208745 477487 197878 800509 250681 182<strong>10</strong>07 460461SURPLUS/ (DEFICIT) (D) =(A)-(B)-(C) 18438 13169 129770 21293 1991 (<strong>10</strong>41) <strong>10</strong>3092 92912 19094 16664 14869 (1539) 8677 1587 40961 11550Prior Period ItemsBalance at the beginning of the year 71733 53785 661 2049 1695 4335 1587 <strong>10</strong>720 9494Transfer from Linked Fund (Lapsed Policies) 1<strong>10</strong>04Surplus available for appropriations 18438 13169 201503 75078 2653 <strong>10</strong>08 <strong>10</strong>3092 92912 19094 16664 16564 2796 <strong>10</strong>264 1587 62684 2<strong>10</strong>44APPROPRIATIONSTransfer to Shareholders’ Account 1491 2862 78262 3344 347 <strong>10</strong>3092 92912 4729 7950 <strong>10</strong>335 1<strong>10</strong>1 52448 415Funds for future appropriations (Reserve for lapsed unitlinked policies unlikely to be revived) 5329 2850 9908Balance being funds for future appropriations-Policyholders 16947 <strong>10</strong>308 51508 17948 1991 (1388) 9036 5864 6229 1695 8677 1587 <strong>10</strong>237 <strong>10</strong>720Balance being funds for future appropriations-Previous year 71733 53785 661 2049 1587Balance transferred to Balance SheetTOTAL (D) 18438 13169 201503 75078 2653 <strong>10</strong>08 <strong>10</strong>3092 92912 19094 16664 16564 2796 <strong>10</strong>264 1587 62684 2<strong>10</strong>44Note : * Represents mathematical reserves after allocation of bonusFigures in brackets represents negative values116
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>LIFE INSURERS : POLICYHOLDERS ACCOUNTCont’d... STATEMENT 19(` Lakh)PARTICULARS SBI LIFE KOTAK MAHINDRA TATA AIG METLIFE AVIVA SAHARA SHRIRAM BHARTI AXA<strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09Premiums earned – net(a) Premium <strong>10</strong><strong>10</strong>403 7212<strong>10</strong> 286805 234319 349378 274750 253601 199664 237801 199287 25059 20647 61127 43617 66973 36041(b) Reinsurance ceded (2355) (971) (1820) (3545) (1222) (1294) (2980) (1837) (1651) (1580) (7) (7) (67) (49) (229) (93)(c) Reinsurance acceptedIncome from Investments(a) Interest, Dividends & Rent – Gross 77248 52745 26006 17<strong>10</strong>8 29607 21253 11934 7547 18738 15240 1791 1263 3276 2175 789 252(b) Profit on sale/redemption of investments 254992 36747 35815 13704 20203 6459 9763 <strong>10</strong>085 2242 680 379 4344 6546 55(c) (Loss on sale/ redemption of investments) (42428) (196338) (8651) (57479) (12567) (28193) (4<strong>10</strong>7) (5027) (3249) (975) (674) (639) (304)(d) Transfer/Gain on revaluation/change in fair value 302655 (62619) 52223 (7855) 173968 (72256) 114670 (53158) 14331 (5678) 12648 (2941)(e) Amortization of Premium/Discount on Investments(f) Appropriation/Expropriation Adjustment Account 2 (0) 236Unrealised Gains/Loss 114181 (39367) 24269 (11623)Other Income 4923 403 290 286 3196 2728 622 191 34 27 80 29 244 547Transfer from Shareholders’ Account 15820 1770 3013 44339 62420 36002 51984 1670 3324 516 695 1215Unit Linked Recoveries (1566) (1193)TOTAL (A) 1605438 566996 392437 199551 606901 265866 387121 162092 4<strong>10</strong>618 2<strong>10</strong>766 41890 18301 93811 32799 87263 34771Commission 75825 46788 16792 22543 28085 23978 29251 34956 15829 15196 2368 2415 6649 5599 6346 3873Operating Expenses related to Insurance Business 66090 62050 57384 60767 <strong>10</strong>2631 <strong>10</strong>7119 68199 63290 7<strong>10</strong>19 77390 3700 3973 12399 6782 66051 56587Provision for doubtful debts 641 214Adjustment related to previous year (21) (1184)Bad debts written offProvision for Tax <strong>10</strong>22 374 268 484 356 588 172 13 0 62 306Provisions (other than taxation)(a) For diminution in the value of investments (Net) (13679) 6634 (717) 5 140(b) OthersTOTAL (B) 129237 114663 73458 83583 131357 131795 97450 98602 86848 93174 6241 6542 19048 12442 72397 60766Benefits Paid (Net) 85144 39675 49668 24304 32458 14683 18573 7669 63094 20116 1483 618 6595 1430 893 262Interim Bonuses Paid 6 2 62 52 3 3Change in valuation of liability in respect of life policies(a) Gross* 1371721 402380 21659 17497 64403 62805 297274 1<strong>10</strong>326 258208 91519 6421 4303 4181 1421 61979 15385(b) Amount ceded in Reinsurance (90) (566) (141) (151) (568) (663) (397) (391) (3) (2) (277) (126)(c) Amount accepted in Reinsurance(d) Transfer to Linked Fund (Fund Reserve) 230754 66594 377556 56695 26978 6821 63852 17269TOTAL ( C ) 1456775 441488 302082 <strong>10</strong>8395 474276 134031 315284 117334 320967 111296 34879 11740 74631 20123 62595 15520SURPLUS/ (DEFICIT) (D) =(A)-(B)-(C) 19426 <strong>10</strong>845 16896 7572 1268 40 (25613) (53844) 2803 6296 770 19 132 233 (47729) (41515)Prior Period ItemsBalance at the beginning of the year 812 77 380 370 (136394) (80318) 6243 192 23Transfer from Linked Fund (Lapsed Policies) 3867 281Surplus available for appropriations 20237 <strong>10</strong>923 17276 7942 5135 321 (162007) (134162) 9046 6296 770 19 324 256 (47729) (41515)APPROPRIATIONSTransfer to Shareholders’ Account 17775 <strong>10</strong>111 7085 2021 3403 3780 74 65 51 53 143 65 (47729) (41515)Funds for future appropriations (Reserve for lapsedunit linked policies unlikely to be revived)Balance being funds for future appropriations-Policyholders 2462 812 9663 5541 1731 (3459) 4301 2167 2752 6243 770 19 181 192Balance being funds for future appropriations-Previous year 6243Balance transferred to Balance Sheet 528 380 (166383) (136394)TOTAL (D) 20237 <strong>10</strong>923 17276 7942 5135 321 (162007) (134162) 9046 6296 770 19 324 256 (47729) (41515)Note : * Represents mathematical reserves after allocation of bonusFigures in brackets represents negative values117
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>LIFE INSURERS : POLICYHOLDERS ACCOUNTCont’d... STATEMENT 19(` Lakh)PARTICULARS FUTURE GENERALI IDBI FEDERAL AEGON RELIGARE CANARA HSBC DLF PRAMERICA STAR UNION DAI-ICHI INDIAFIRST# TOTAL<strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> <strong>2009</strong>-<strong>10</strong> 2008-09Premiums earned – net(a) Premium 54151 15260 57112 31897 16565 3121 84245 29641 3844 337 53037 5019 20160 26545037 22178547(b) Reinsurance ceded (667) (463) (2<strong>10</strong>) (43) (86) (13) (254) (27) (4) (0) (28) (0) (0) (50208) (426<strong>10</strong>)(c) Reinsurance accepted 352 (57)Income from Investments(a) Interest, Dividends & Rent – Gross 1325 120 2995 703 136 15 1873 197 44 4 721 1 33 7283744 6059594(b) Profit on sale/redemption of investments 1<strong>10</strong>0 53 6256 862 864 13 4207 144 43 1 <strong>10</strong>56 1 55 2616044 851457(c) (Loss on sale/ redemption of investments) (131) (52) (1140) (2392) (191) (39) (258) (129) (19) (2) (183) (4) (463219) (1351762)(d) Transfer/Gain on revaluation/change in fair value 2890 80 3011 89 490 35 16645 (742) 186 3 413 6029502 (2373988)(e) Amortization of Premium/Discount on Investments 59 7 39 4 0 0 1771 4233(f) Appropriation/Expropriation Adjustment Account 127 29 230 9 2066 160Unrealised Gains/Loss 1476 31 1434747 (608780)Other Income 207 11 0 0 87 18 53865 56198Transfer from Shareholders’ Account 36837 26341 12299 11611 26114 2<strong>10</strong>86 9794 4015 5095 370356 617443Unit Linked Recoveries (1566) (1193)TOTAL (A) 95712 41351 80508 42733 17846 3135 132800 50170 13896 4356 56166 5052 25769 43822493 25389242Commission 12945 2204 4419 1545 1236 219 20337 <strong>10</strong>565 429 8 3928 676 1456 1814631 1549598Operating Expenses related to Insurance Business 44146 27186 14850 11915 27882 16213 19235 14893 <strong>10</strong>571 4055 6635 2436 6822 2880694 2583190Provision for doubtful debts (<strong>10</strong>3867) 27657Adjustment related to previous year (21) (1184)Bad debts written off 20 6Provision for Tax 132 69 60 141 34 2 369950 344515Provisions (other than taxation) 50455 93177(a) For diminution in the value of investments (Net) (14396) 6779(b) Others 12256 1909TOTAL (B) 57091 29522 19269 13529 29118 16492 39571 25599 1<strong>10</strong>00 4097 <strong>10</strong>563 3113 8278 5009722 4605647Benefits Paid (Net) 1398 220 351 76 50 15 433 64 (25) 132 17 9557820 5837029Interim Bonuses Paid <strong>10</strong>0583 77350Change in valuation of liability in respect of life policies(a) Gross* 37223 11867 61166 29245 12633 2096 92818 24507 2921 259 48905 3911 17472 19478781 12869974(b) Amount ceded in Reinsurance (0) (258) (278) (117) (289) (41) (23) (28) (13185) 1907(c) Amount accepted in Reinsurance(d) Transfer to Linked Fund (Fund Reserve) 94<strong>10</strong>994 1930493TOTAL ( C ) 38621 11828 61239 29204 12394 2071 93229 24571 2896 259 49009 3911 17488 38534994 20716753SURPLUS/ (DEFICIT) (D) =(A)-(B)-(C) (23666) (15427) (3405) (1972) 2 277777 66842Prior Period ItemsBalance at the beginning of the year (42372) (<strong>10</strong>185)Transfer from Linked Fund (Lapsed Policies) 14870 281Surplus available for appropriations (23666) (15427) (3405) (1972) 2 250275 56939APPROPRIATIONSTransfer to Shareholders’ Account (3405) (1972) 227754 81539Funds for future appropriations (Reserve for lapsedunit linked policies unlikely to be revived) 2 5331 12759Balance being funds for future appropriations-Policyholders 121 5 126607 58254Balance being funds for future appropriations-Previous year 80224 55834Balance transferred to Balance Sheet (23787) (15432) (189641) (151447)TOTAL (D) (23666) (15427) (3405) (1972) 2 250275 56939Note : * Represents mathematical reserves after allocation of bonusFigures in brackets represents negative values# Commenced operations in <strong>2009</strong>-<strong>10</strong>118
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>LIFE INSURERS : SHAREHOLDERS ACCOUNTSTATEMENT 20(` Lakh)PARTICULARS BIRLA SUN LIFE ICICI PRUDENTIAL ING VYSYA LIC HDFC STANDARD MAX NEW YORK RELIANCE BAJAJ ALLIANZ<strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09Amounts transferred from thePolicyholders Account (Technical Account) 1491 2862 25712 3344 347 <strong>10</strong>3092 92912 4729 7950 <strong>10</strong>335 1<strong>10</strong>1 52448 415Income From Investments:(a) Interest, Dividends & Rent – Gross 3039 3018 2233 2569 984 1245 2923 2816 2891 3024 3241 2624 1993 1852 9834 8463(b) Profit on sale/redemption of investments 177 243 940 1209 177 182 65 492 139 7<strong>10</strong> 654 922 184 <strong>10</strong>63 800(c) (Loss on sale/ redemption of investments) (1) (49) (251) (36) (9) (9) (5) (359) (99) (550) (476) (635) (54) (195)(d) Transfer/gain on revaluation/Change in Fair value 519(e) Amortization of Premium/Discount on Investments (203) 164 (26) (30) 129 655 136 752Other Income 0 35 3 3 3TOTAL (A) 4505 6286 28836 6872 1161 1739 <strong>10</strong>6072 95719 8116 11246 14319 4487 2574 2153 63291 9483Expenses other than those directly relatedto the insurance business 80 <strong>10</strong>0 783 85 202 339 0 (16) 40 53 <strong>10</strong>781 6208 419 26 647 159Bad debts written offProvisions (Other than taxation)(a) For diminution in the value of investments (Net) (474) 422(b) Provision for doubtful debts 242(c) OthersContribution to Policyholders Account 47975 76399 94857 14630 20840 35594 61490 5862 37158 30534 1<strong>10</strong>618 6945 16391TOTAL (B) 48055 76499 783 94942 14832 21180 0 (16) 35634 61543 16411 43788 30953 1<strong>10</strong>644 7592 16550Profit/ (Loss) before tax (43550) (70214) 28053 (88070) (13671) (19441) <strong>10</strong>6072 95735 (27518) (50296) (2091) (39302) (28379) (<strong>10</strong>8491) 55699 (7067)Prior period expensesProvision for Taxation 2256 <strong>10</strong><strong>10</strong>0 5 9 1471 1Profit / (Loss) after tax (43550) (70214) 25797 (77970) (13676) (19450) <strong>10</strong>6072 95735 (27518) (50296) (2091) (39302) (28379) (<strong>10</strong>8491) 54229 (7068)APPROPRIATIONS(a) Balance at the beginning of the year (159201) (88987) (377646) (299676) (91215) (71765) (119131) (68835) (<strong>10</strong>0275) (60974) (239008) (130517) (56058) (48990)(b) Interim dividends paid during the year(c) Proposed final dividend <strong>10</strong>3092 92912(d) Dividend distribution on tax(e) Transfer to reserves/ other accounts 2979 2823Profit carried to the Balance Sheet (202750) (159201) (351849) (377646) (<strong>10</strong>4892) (91215) (146650) (119131) (<strong>10</strong>2367) (<strong>10</strong>0275) (267387) (239008) (1830) (56058)Note:Figure in brackets indicate the negative values.119
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>LIFE INSURERS : SHAREHOLDERS ACCOUNTCont’d... STATEMENT 20(` Lakh)PARTICULARS SBI LIFE KOTAK MAHINDRA TATA AIG MET LIFE AVIVA SAHARA SHRIRAM BHARTI AXA<strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09Amounts transferred from thePolicyholders Account (Technical Account) 17775 <strong>10</strong>111 7085 2021 3403 3780 74 65 51 53 143 65 (47729) (41515)Income From Investments:(a) Interest, Dividends & Rent – Gross 6065 6787 1761 2096 1163 2325 1967 2247 2059 2895 1432 1231 <strong>10</strong>78 1130 621 <strong>10</strong>33(b) Profit on sale/redemption of investments 2697 1284 282 1176 15 89 465 312 75 1<strong>10</strong>6 280 198 595 187 91(c) (Loss on sale/ redemption of investments) (3548) (1987) (0) (642) (44) (860) (0) (21) (6) (33) (48) (26)(d) Transfer/gain on revaluation/Change in Fair value 1379(e) Amortization of Premium/Discount on InvestmentsOther Income 4 2 133 119TOTAL (A) 22989 16195 9127 4651 4581 6150 2506 1452 2422 3002 3915 1480 1551 1909 (46969) (40417)Expenses other than those directly related tothe insurance business 39 49 435 204 243 254 892 523 35 41 34 25 152 114Bad debts written offProvisions (Other than taxation)(a) For diminution in the value of investments (Net) (4799) 2990 1583 349(b) Provision for doubtful debts(c) OthersContribution to Policyholders Account 15820 1770 3013 44339 62420 36002 51984 1670 3324 516 695 1215TOTAL (B) (4761) 18859 2205 3217 44582 62674 36893 52507 35 3295 3358 890 848 1329Profit/ (Loss) before tax 27749 (2664) 6922 1434 (40001) (56524) 2506 1452 (34472) (49505) 3880 (1815) (1806) <strong>10</strong>19 (47817) (41746)Prior period expensesProvision for Taxation <strong>10</strong>3 33 259 0 208Profit / (Loss) after tax 27646 (2631) 6922 1434 (40001) (56524) 2506 1452 (34472) (49505) 3621 (1815) (1806) 811 (47817) (41746)APPROPRIATIONS(a) Balance at the beginning of the year (2158) 473 (32434) (33868) (120985) (64461) (12968) (14420) (116255) (66749) (2874) (<strong>10</strong>58) 2536 1726 (73990) (32244)(b) Interim dividends paid during the year(c) Proposed final dividend(d) Dividend distribution on tax(e) Transfer to reserves/ other accountsProfit carried to the Balance Sheet 25487 (2158) (25512) (32434) (160986) (120985) (<strong>10</strong>462) (12968) (150726) (116255) 747 (2873) 730 2536 (121807) (73990)Note:Figure in brackets indicate the negative values.120
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>LIFE INSURERS : SHAREHOLDERS ACCOUNTCont’d... STATEMENT 20(` Lakh)PARTICULARS FUTURE GENERALI IDBI FEDERAL AEGON RELIGARE CANARA HSBC DLF PRAMERICA STAR UNION DAI-ICHI INDIAFIRST# TOTAL<strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> <strong>2009</strong>-<strong>10</strong> 2008-09Amounts transferred from thePolicyholders Account (Technical Account) (3405) (1972) 175204 81539Income From Investments:(a) Interest, Dividends & Rent – Gross 765 1<strong>10</strong>7 18<strong>10</strong> 1147 382 446 1124 2186 615 508 2000 304 511 50490 5<strong>10</strong>52(b) Profit on sale/redemption of investments 544 343 3<strong>10</strong> 118 53 119 530 224 91 344 697 22 241 12275 8169(c) (Loss on sale/ redemption of investments) (18) (169) (159) (416) (2) (6) (35) (40) (0) (5) (125) (14) (0) (4634) (6297)(d) Transfer/gain on revaluation/Change in Fair value 1379 519(e) Amortization of Premium/Discount on Investments (3) 14 81 144 (70) (17) (50) (5) 1683Other Income 0 0 2 1 177 128TOTAL (A) 1291 1281 1959 863 515 702 1620 2370 636 831 (833) (1660) 703 234886 136793Expenses other than those directlyrelated to the insurance business 139 534 154 275 133 274 122 1483 171 1262 1173 198 2 16677 12192Bad debts written offProvisions (Other than taxation)(a) For diminution in the value of investments (Net) (5273) 5345(b) Provision for doubtful debts 242(c) Others 1 1 1 1Contribution to Policyholders Account 36837 26341 12299 11611 26114 2<strong>10</strong>86 9794 4015 5095 317806 617443TOTAL (B) 36976 26875 12453 11886 133 274 26236 22569 9965 5277 1173 198 5096 329452 634981Profit/ (Loss) before tax (35685) (25594) (<strong>10</strong>495) (1<strong>10</strong>23) 382 428 (24616) (20199) (9329) (4446) (2006) (1858) (4394) (94566) (498188)Prior period expenses 134 220Provision for Taxation 2 0 0 0 20 8 4096 <strong>10</strong>380Profit / (Loss) after tax (35686) (25594) (<strong>10</strong>495) (1<strong>10</strong>23) 382 408 (24616) (20207) (9329) (4446) (2140) (1858) (4479) (98882) (488301)APPROPRIATIONS(a) Balance at the beginning of the year (28955) (3362) (13576) (2553) (2379) (2787) (23087) (2880) (4446) (1965) (<strong>10</strong>7) (725) (1576796) (992036)(b) Interim dividends paid during the year(c) Proposed final dividend <strong>10</strong>3092 92912(d) Dividend distribution on tax(e) Transfer to reserves/ other accounts 2979 2823Profit carried to the Balance Sheet (64642) (28955) (24071) (13576) (1997) (2379) (47703) (23087) (13775) (4446) (4<strong>10</strong>6) (1965) (5204) (1781750) (1576071)Note: Figure in brackets indicate the negative values.Deferred tax assets on carry forward of unabsorbed losses for ICICI Prudential.# Commenced operations during <strong>2009</strong>-<strong>10</strong>121
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>LIFE INSURERS : BALANCE SHEET(AS ON 31 st MARCH)STATEMENT 21(` Lakh)PARTICULARS BIRLA SUN LIFE ICICI PRUDENTIAL ING VYSYA LIC HDFC STANDARD MAX NEW YORK RELIANCE20<strong>10</strong> <strong>2009</strong> 20<strong>10</strong> <strong>2009</strong> 20<strong>10</strong> <strong>2009</strong> 20<strong>10</strong> <strong>2009</strong> 20<strong>10</strong> <strong>2009</strong> 20<strong>10</strong> <strong>2009</strong> 20<strong>10</strong> <strong>2009</strong>SOURCES OF FUNDSSHAREHOLDERS’ FUNDS:SHARE CAPITAL 196950 187950 142814 142726 <strong>10</strong>1915 <strong>10</strong>1915 500 500 196800 179582 183882 178243 116464 116233ADVANCE AGAINST SHARE CAPITALSHARE APPLICATION MONEY PENDING ALLOTMENT 11 23 18235 6459EMPLOYEES STOCK OPTION OUTSTANDING 9 85 7900 799RESERVES AND SURPLUS 48000 12000 335884 335292 36087 33<strong>10</strong>8 5529 5529 13414 180970 158<strong>10</strong>1CREDIT/[DEBIT] FAIR VALUE CHANGE ACCOUNT 3 2 (96) (15) 64 6 1844 (776) 404 78 207 (729)Sub-Total 244953 199952 478622 478111 120214 <strong>10</strong>8380 36587 33608 204173 184335 205599 179121 297642 273605BORROWINGS 1POLICYHOLDERS’ FUNDS:CREDIT/[DEBIT] FAIR VALUE CHANGE ACCOUNT 7 1 24934 2132 79 (447) 11386815 2776896 2051 (2969) 7 0 677 (942)REVALUATION RESERVE-INVESTMENT PROPERTY 6689 3163POLICY LIABILITIES 78608 39994 358933 299871 129994 91368 83940026 72217682 376669 290924 259314 195050 48758 32472INSURANCE RESERVES 366457 364292PROVISION FOR LINKED LIABILITIES 1456730 819694 50376<strong>10</strong> 2805489 327772 169728 16003617 8728878 1552178 687829 657794 303488 1270115 555238Sub-Total 1535344 859688 5428166 31<strong>10</strong>655 457845 260650 111696915 84087748 1930898 975785 917115 498539 1319550 586769DEFERRED TAX LIABILITYFUNDS FOR FUTURE APPROPRIATIONS 29842 12896 123242 71733 2653 661 8116 5931 25548 11184 6229 1695 <strong>10</strong>264 1587TOTAL 18<strong>10</strong>140 <strong>10</strong>72536 6030029 3660499 580712 369692 111741618 84127287 2160620 1171303 1128944 679354 1627456 861962APPLICATION OF FUNDSINVESTMENTSShareholders’ 50440 46701 128503 66201 18359 23386 35376 31950 63048 42916 83013 52291 36931 39470Policyholders’ <strong>10</strong>5817 50442 445657 341641 131922 83721 83304127 63896170 434154 301527 271289 200183 52645 34266ASSETS HELD TO COVER LINKED LIABILITIES 1456730 819694 5146926 2861395 327729 169014 17032518 904<strong>10</strong>29 1552178 687829 657794 303488 1276506 555238LOANS 2655 2235 1160 1960 823 464 8299709 7947712 404 302 861 483 3018 2991FIXED ASSETS 6982 8443 26340 33121 1732 2634 312299 297980 11438 14513 27448 32487 1397 4415INCIDENTAL EXPENSES PENDING CAPITALISATIONDEFERRED TAX ASSET 29552 31808CURRENT ASSETSCash and Bank Balances 56980 51897 30540 35588 9868 11760 1415893 1729264 28264 4<strong>10</strong>87 5187 2165 49878 4<strong>10</strong>25Advances and Other Assets 12154 <strong>10</strong>443 29660 36155 13463 18905 3531917 3142203 49178 54287 44536 44500 13452 14293Sub-Total (A) 69133 62340 60200 71743 23330 30665 4947809 4871467 77441 95374 49723 46664 63330 55318CURRENT LIABILITIES 81135 73996 157170 113037 27978 31303 592822 371805 122816 88202 71<strong>10</strong>2 56502 73514 68634Provisions 3231 2524 2988 11979 96 <strong>10</strong>6 1597398 1587217 1876 2088 28 270 243 111Sub-Total (B) 84367 76519 160159 125017 28074 31409 2190220 1959022 124692 90290 71130 56772 73757 68745NET CURRENT ASSETS (C) = (A – B) (15233) (14179) (99958) (53274) (4744) (744) 2757590 2912445 (47251) 5083 (21408) (<strong>10</strong><strong>10</strong>8) (<strong>10</strong>427) (13427)MISCELLANEOUS EXPENDITURE(to the extent not written off or adjusted) 7580 254 DEBITBALANCE IN PROFIT & LOSS ACCOUNT(Shareholders’ Account) 202750 159201 351849 377646 <strong>10</strong>4892 91215 146650 119131 <strong>10</strong>2367 <strong>10</strong>0275 267387 239008Debit Balance in Policyholders’ A/cTOTAL 18<strong>10</strong>140 <strong>10</strong>72536 6030029 3660499 580712 369692 111741618 84127287 2160620 1171303 1128944 679354 1627456 861962122
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>LIFE INSURERS : BALANCE SHEET(AS ON 31 st MARCH)Cont’d... STATEMENT 21(` Lakh)PARTICULARS BAJAJ ALLIANZ SBI LIFE KOTAK MAHINDRA TATA AIG METLIFE AVIVA SAHARA SHRIRAM BHARTI AXA20<strong>10</strong> <strong>2009</strong> 20<strong>10</strong> <strong>2009</strong> 20<strong>10</strong> <strong>2009</strong> 20<strong>10</strong> <strong>2009</strong> 20<strong>10</strong> <strong>2009</strong> 20<strong>10</strong> <strong>2009</strong> 20<strong>10</strong> <strong>2009</strong> 20<strong>10</strong> <strong>2009</strong> 20<strong>10</strong> <strong>2009</strong>SOURCES OF FUNDSSHAREHOLDERS’ FUNDS:SHARE CAPITAL 15071 15071 <strong>10</strong>0000 <strong>10</strong>0000 5<strong>10</strong>29 5<strong>10</strong>29 192050 151950 177479 158000 188880 149180 23200 23200 12500 12500 113135 66843ADVANCE AGAINST SHARE CAPITAL 18487 15342SHARE APPLICATION MONEY PENDING ALLOTMENT <strong>10</strong>000EMPLOYEES STOCK OPTION OUTSTANDINGRESERVES AND SURPLUS <strong>10</strong>5996 <strong>10</strong>5996 25487 5204 5204 1<strong>10</strong>2 354 730 2536 17399 8957CREDIT/[DEBIT] FAIR VALUE CHANGE ACCOUNT <strong>10</strong>36 0 2 14 50 1 152 (170)Sub-Total 12<strong>10</strong>66 12<strong>10</strong>66 126523 <strong>10</strong>0000 56233 56233 192050 151950 195968 173356 188880 149180 24302 23554 13280 15037 130687 85630BORROWINGS 3278 3947POLICYHOLDERS’ FUNDS:CREDIT/[DEBIT] FAIR VALUE CHANGE ACCOUNT 284 70 12197 160 498 4476 (2043) 0 95 2REVALUATION RESERVE-INVESTMENT PROPERTYPOLICY LIABILITIES 302934 179982 966862 624216 92368 70708 273246 209042 75008 54541 9752 6937 16561 <strong>10</strong>143 8601 4420 4295 1923INSURANCE RESERVES 528 380PROVISION FOR LINKED LIABILITIES 2841462 1406530 1706268 677284 524026 292228 615554 246132 481961 208889 590024 335028 47462 20487 118412 54560 79230 19900Sub-Total 3144680 1586582 2685327 1301659 617420 363316 893276 453131 560247 267377 599776 341965 64118 30630 127012 58980 83527 21823DEFERRED TAX LIABILITYFUNDS FOR FUTURE APPROPRIATIONS 38746 50233 2462 812 20569 <strong>10</strong>862 15359 13628 8074 3773 13832 1<strong>10</strong>80 821 48 181 192TOTAL 3304492 1757881 2814312 1402472 694222 430411 1<strong>10</strong>0685 618708 764288 444506 802488 502225 89241 54232 140474 74208 214213 <strong>10</strong>7453APPLICATION OF FUNDSINVESTMENTSShareholders’ 154538 76952 68791 93537 24918 28231 39835 239<strong>10</strong> 27434 25762 33956 35162 22355 17967 15412 154<strong>10</strong> 9444 9589Policyholders’ 346223 232171 <strong>10</strong>77624 682835 <strong>10</strong>1474 62777 286568 221325 82387 56586 9121 15450 16809 <strong>10</strong>208 8334 4182 4298 1924ASSETS HELD TO COVER LINKED LIABILITIES 2841462 1406530 1708731 678096 544585 303080 619149 245819 485242 2<strong>10</strong>583 603856 336925 47465 20487 118412 54560 79230 19900LOANS 1303 770 522 583 4534 2897 977 414 <strong>10</strong> 2 12FIXED ASSETS 17940 16444 23270 6998 5599 5690 <strong>10</strong>828 15579 <strong>10</strong>645 11464 4822 5277 673 815 1959 589 2052 4413INCIDENTAL EXPENSES PENDING CAPITALISATIONDEFERRED TAX ASSETCURRENT ASSETSCash and Bank Balances 21869 35530 46312 12806 8695 12827 13569 19550 9336 11495 18304 2553 2248 1565 5<strong>10</strong>2 6408 4521 2928Advances and Other Assets 31116 17831 33242 27728 <strong>10</strong>628 9392 20569 20563 13021 13714 11441 12248 2456 2112 2173 1651 9280 9694Sub-Total (A) 52985 53360 79553 40534 19323 22219 34138 40114 22357 25209 29745 14801 4704 3676 7275 8059 13801 12621CURRENT LIABILITIES <strong>10</strong>5187 80138 143039 <strong>10</strong>0712 25998 23204 54604 50971 39588 33070 27676 20517 2735 1741 <strong>10</strong>797 8503 16033 14637Provisions 6602 4267 617 975 1714 1398 748 949 2011 1804 2062 1128 40 56 133 89 386 348Sub-Total (B) 111789 84405 143657 <strong>10</strong>1687 27712 24603 55352 51920 41598 34874 29739 21645 2775 1797 <strong>10</strong>929 8593 16419 14985NET CURRENT ASSETS (C) = (A – B) (58804) (3<strong>10</strong>45) (64<strong>10</strong>3) (61153) (8388) (2383) (21214) (11807) (19242) (9665) 6 (6844) 1929 1879 (3654) (533) (2618) (2363)MISCELLANEOUS EXPENDITURE(to the extent not written off or adjusted)DEBIT BALANCE IN PROFIT & LOSS ACCOUNT(Shareholders’ Account) 1830 56058 2158 25512 32434 160986 120985 <strong>10</strong>462 12968 150726 116255 2874 89244 32475Debit Balance in Policyholders’ A/c 166383 136394 32563 41515TOTAL 3304492 1757881 2814312 1402472 694222 430411 1<strong>10</strong>0685 618708 764288 444506 802488 502225 89241 54232 140474 74208 214213 <strong>10</strong>7453123
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>LIFE INSURERS : BALANCE SHEET(AS ON 31 st MARCH)Cont’d... STATEMENT 21(` Lakh)PARTICULARS FUTURE GENERALI IDBI FEDERAL AEGON RELIGARE CANARA HSBC DLF PRAMERICA STAR UNION DAI-ICHI INDIAFIRST# TOTAL20<strong>10</strong> <strong>2009</strong> 20<strong>10</strong> <strong>2009</strong> 20<strong>10</strong> <strong>2009</strong> 20<strong>10</strong> <strong>2009</strong> 20<strong>10</strong> <strong>2009</strong> 20<strong>10</strong> <strong>2009</strong> 20<strong>10</strong> 20<strong>10</strong> <strong>2009</strong>SOURCES OF FUNDSSHAREHOLDERS’ FUNDS:SHARE CAPITAL 70200 46850 44924 44891 57000 30000 50000 40000 22130 13705 25000 15000 20000 2<strong>10</strong>1923 1825369ADVANCE AGAINST SHARE CAPITAL 18487 15342SHARE APPLICATION MONEY PENDING ALLOTMENT 6258 3404 24503 19886EMPLOYEES STOCK OPTION OUTSTANDING 7908 884RESERVES AND SURPLUS 12500 12500 17000 13000 818302 679577CREDIT/[DEBIT] FAIR VALUE CHANGE ACCOUNT (6) 3 7 (28) 1 0 0 5 48 17 44 3759 (1591)Sub-Total 76452 50257 44930 44863 57001 30000 62500 52500 22131 137<strong>10</strong> 42048 15017 33044 2974883 2539466BORROWINGS 3278 3948POLICYHOLDERS’ FUNDS:CREDIT/[DEBIT] FAIR VALUE CHANGE ACCOUNT 1 1 13076 1653 11445200 2774512REVALUATION RESERVE-INVESTMENT PROPERTY 6689 3163POLICY LIABILITIES 18884 3217 9778 2526 1323 402 9659 3119 99 4 4318 462 125 86986116 74339003INSURANCE RESERVES 366985 364672PROVISION FOR LINKED LIABILITIES 27838 8471 81402 27766 <strong>10</strong>7644 21388 3081 255 48474 3449 17347 33595999 17392713Sub-Total 46721 11690 91181 30292 14399 2055 117303 24507 3180 259 52793 3911 17472 132404265 948780<strong>10</strong>DEFERRED TAX LIABILITYFUNDS FOR FUTURE APPROPRIATIONS 2190 0 126 5 2 308257 196318TOTAL 125363 61947 136111 75155 71526 32060 179803 77007 25311 13969 94841 18928 50518 135687405 97613794APPLICATION OF FUNDSINVESTMENTSShareholders’ <strong>10</strong>202 15279 19492 29120 <strong>10</strong>357 5315 14502 27737 8354 7824 35369 12500 32866 943495 727211Policyholders’ 19019 3079 9381 2516 1364 450 9534 3277 165 16 3605 11 125 86721641 66204758ASSETS HELD TO COVER LINKED LIABILITIES 30028 8471 81402 27766 13202 1658 <strong>10</strong>7644 21388 3081 255 48474 3449 17349 34799690 17776656LOANS 8315986 7960813FIXED ASSETS 753 7914 1721 1897 4521 5768 5843 5254 604 1406 2062 2155 2908 483834 485259INCIDENTAL EXPENSES PENDING CAPITALISATIONDEFERRED TAX ASSET 29552 31808CURRENT ASSETSCash and Bank Balances 5254 2224 <strong>10</strong>853 6180 2526 959 4954 2306 743 464 11649 4348 1533 1764078 2034927Advances and Other Assets 6437 4088 8451 5311 4871 3401 3878 2800 1741 790 3418 630 666 3857746 3452740Sub-Total (A) 11691 6312 19304 11492 7397 4361 8832 5<strong>10</strong>6 2485 1254 15067 4978 2199 5621823 5487667CURRENT LIABILITIES <strong>10</strong>694 7885 19123 1<strong>10</strong>43 5247 2541 14138 8723 3034 1156 13660 6<strong>10</strong>7 <strong>10</strong><strong>10</strong>4 1628194 1174427Provisions 278 178 136 170 1284 762 117 120 118 76 182 24 29 1622319 1616639Sub-Total (B) <strong>10</strong>972 8063 19259 11212 6531 3303 14255 8843 3153 1232 13842 6131 <strong>10</strong>132 3250513 279<strong>10</strong>66NET CURRENT ASSETS (C) = (A – B) 719 (1751) 45 280 866 <strong>10</strong>58 (5423) (3737) (668) 22 1225 (1153) (7934) 23713<strong>10</strong> 2696601MISCELLANEOUS EXPENDITURE(to the extent not written off or adjusted) 7580 254DEBIT BALANCE IN PROFIT & LOSS ACCOUNT(Shareholders’ Account) 64642 28955 24071 13576 1997 2379 47703 23087 13775 4446 4<strong>10</strong>6 1965 5204 1776151 1537093Debit Balance in Policyholders’ A/c 39220 15432 238166 193342TOTAL 125363 61947 136111 75155 71526 32060 179803 77007 25311 13969 94841 18928 50518 135687405 97613794# Commenced operations during <strong>2009</strong>-<strong>10</strong>124
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>STATEMENT 22LIFE INSURANCE CORPORATION OF INDIA : POLICYHOLDERS ACCOUNT(NON-PARTICIPATING)<strong>2009</strong>-<strong>10</strong> 2008-09(` Lakh)Premiums earned (Net) 778 921Profit/ Loss on sale/redemption of Investments (27) (27)Change in Policy Liabilities (1283) (1291)OthersInterest, Dividend & Rent – (Gross) 1283 <strong>10</strong>76TOTAL (A) 751 680Claims Incurred (Net) 762 700Commission 14 19Operating Expenses related to Insurance Business 59 91Others- Amortizations, Write offs and Provisions 0 16Foreign TaxesTOTAL (B) 835 826Operating Profit/(Loss) C= (A - B) (84) (146)APPROPRIATIONSTransfer to Shareholders’ AccountTransfer to Catastrophe ReserveTransfer to other ReservesTOTAL (C ) (84) (146)Note: Figures in brackets indicate the negative values.125
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>LIFE INSURANCE CORPORATION OF INDIA : SHAREHOLDERS ACCOUNT(NON-PARTICIPATING)<strong>2009</strong>-<strong>10</strong> 2008-09OPERATING PROFIT/(LOSS)(a) Fire Insurance(b) Marine Insurance(c) Miscellaneous Insurance (83) (146)INCOME FROM INVESTMENTS(a) Interest, Dividend & Rent – Gross(b) Profit on sale of investmentsLess: Loss on sale of investmentsOTHER INCOMETOTAL (A) (83) (146)PROVISIONS (Other than taxation)(a) For diminution in the value of investments(b) For doubtful debts(c) OthersOTHER EXPENSES(a) Expenses other than those related to Insurance Business(b) Bad debts written off(c) OthersTOTAL (B)Profit Before Tax (83) (146)Provision for TaxationProfit after Tax (83) (146)APPROPRIATIONS(a) Interim dividends paid during the year(b) Proposed final dividend(c) Dividend distribution tax(d) Transfer to any Reserves or Other Accounts(e) Transfer to General Reserve(f) Balance of profit/ loss brought forward from last year(g) Balance carried forward to Balance Sheet (83) (146)Note: Figures in brackets indicate the negative values.STATEMENT 23(` Lakh)126
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>LIFE INSURANCE CORPORATION OF INDIA : BALANCE SHEET(NON-PARTICIPATING)(AS ON 31 ST MARCH)SOURCES OF FUNDS20<strong>10</strong> <strong>2009</strong>STATEMENT 24(` Lakh)Share CapitalPolicy Liabilities 17247 16048Reserves and Surplus 36 36Fair value change account 28 7BorrowingsTOTAL 17311 16090APPLICATION OF FUNDSInvestments 16964 17140LoansFixed AssetsCurrent AssetsCash and Bank Balances 209 398Advances and Other Assets 591 169Total Current Assets (A) 800 567Current Liabilities 453 1616ProvisionsTotal Current Liabilities (B) 453 1616Net Current Assets (C) = (A - B) 346 (<strong>10</strong>49)Miscellaneous Expenditure(to the extent not written off)Debit balance in Profit and Loss A/cTOTAL 17311 16090Note: Figures in bracket indicates the negative value.127
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>INDIVIDUAL BUSINESS (WITHIN INDIA)-DETAILS OF FORFEITURE/LAPSED POLICIES IN RESPECT OF NON-LINKED BUSINESS*STATEMENT 25Description Bajaj Reliance AVIVA Birla HDFC ICICI ING LIC Max Met Kotak SBI TATA Sahara Shriram Bharti Future IDBI Canara Aegon DLF StarAllianz Sun Life Std Pru Vysya NY Life Mahindra AIG AXA Generali Federal HSBC Religare Pramerica UnionDai-ichi2006-07Number of policies in ‘000 77 47 24 8 29 180 45 7773 163 37 21 85 151 7 9 0 NA NA NA NA NA NASum Assured ` Crores 2364 692 3 597 787 2461 788 63206 2666 1157 546 773 3042 78 139 0 NA NA NA NA NA NA2007-08Number of policies in ‘000 <strong>10</strong>6 43 40 16 36 439 54 1<strong>10</strong>09 142 28 25 79 238 14 25 3 0 0 0 0 0 0Sum Assured ` Crores 2392 663 125 <strong>10</strong>17 909 6854 762 73686 3394 880 1<strong>10</strong>4 1<strong>10</strong>8 5044 174 569 <strong>10</strong>9 0 0 0 0 0 02008-09Number of policies in ‘000 96 91 32 45 76 777 61 7373 198 27 31 48 199 19 16 11 5 0 0.003 1 0.006 0.003Sum Assured ` Crores 1723 679 166 808 1524 25269 998 52926 5915 739 1180 1356 4729 257 366 596 216 0 0 96 0 0<strong>2009</strong>-<strong>10</strong>Number of policies in ‘000 161 81 37 323 114 969 89 9744 287 45 23 46 329 22 16 17 44 0 2 1 0Sum Assured ` Crores <strong>10</strong>852 1531 378 1578 2716 32354 4706 114767 11370 6689 4813 5904 12972 340 593 <strong>10</strong>43 1679 21 0 432 55 7Lapse Ratio (Basedon number of policies)During 2007-08 19% 21% 80% 6% 4% 40% 17% 6% 17% 24% 17% 16% 35% 24% 55% 45% 0% 0% NA NA NA NADuring 2008-09 14% 40% 59% 9% 6% 53% 16% 4% 19% 18% 19% 9% 26% 22% 41% 46% 18% 0% 4% 23% 2% 1%During <strong>2009</strong>-<strong>10</strong> 17% 31% 24% 39% 8% 81% 19% 4% 23% 25% 14% 7% 42% 21% 41% 38% 37% 0% 0% 24% 80% 4%* Includes Non-Linked Health Business, if any.A policy is treated as lapsed if the premium is not paid within a period ranging from 15 to 60 days.Lapse Ratio during the year = Lapses (including forfeitures) during the year/Arithmetic Mean of the business inforce at the beginning and at the end of the yearNA : Not ApplicableSource of Data:Actuarial Report and Abstract as on 31-03-2008, 31-03-<strong>2009</strong> & 31-03-20<strong>10</strong> of the life insurers.128
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>DETAILS OF INDIVIDUAL AGENTS OF LIFE INSURERSSTATEMENT 26Insurer As on Additions during Deletions during As on 31 st1 st April, <strong>2009</strong> <strong>2009</strong>-<strong>10</strong> <strong>2009</strong>-<strong>10</strong> March, 20<strong>10</strong>Aegon Religare 2309 5342 34 7617Aviva 30838 14705 12815 32728Bajaj Allianz 204941 61824 99024 167741Bharti AXA 28495 16261 12095 32661Birla Sunlife 164363 53043 49282 168124DLF Pramerica 113 2042 40 2115Future Generali 24437 19612 1436 42613HDFC Standard 207626 41506 50253 198879ICICI Prudential 299879 87774 145823 241830IDBI Federal 6509 2644 1416 7737ING Vysya 76058 25138 47923 53273Kotak Mahindra 42083 176<strong>10</strong> 23796 35897Max NewYork 84651 46192 58015 72828MetLife 60727 18325 15752 63300Reliance Life 149613 <strong>10</strong>5566 59614 195565Sahara 13515 765 424 13856SBI Life 68993 29514 32975 65532Shriram 19759 18<strong>10</strong> 15 21554Star Union Dai-ichi 0 69 0 69TATA AIG <strong>10</strong>7670 75594 31707 151557Private Total 1592579 625336 642439 1575476LIC 1344856 312547 254596 1402807Industry Total 2937435 937883 897035 2978283NOTE: The Number of Agents for Canara HSBC and IndiaFirst was NIL as on 31 st March, 20<strong>10</strong>129
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>STATEMENT 27DETAILS OF CORPORATE AGENTS OF LIFE INSURERSInsurer As on Additions during Deletions during As on 31 st1 st April, <strong>2009</strong> during <strong>2009</strong>-<strong>10</strong> during <strong>2009</strong>-<strong>10</strong> March, 20<strong>10</strong>Aegon Religare 7 4 1 <strong>10</strong>Aviva 17 2 4 15Bajaj Allianz 682 209 27 864Bharti AXA 12 1 0 13Birla Sunlife 317 154 91 380Canara HSBC 3 2 0 5DLF Pramerica 2 9 0 11Future Generali 4 5 0 9HDFC Standard 371 5 2 374ICICI Prudential 47 2 27 22IDBI Federal 41 6 39 8IndiaFirst 0 2 0 2ING Vysya 53 6 1 58Kotak Mahindra <strong>10</strong>0 61 66 95Max NewYork 84 11 14 81MetLife 37 4 12 29Reliance 126 120 21 225Sahara 5 4 0 9SBI Life 94 59 26 127Shriram 4 6 1 9Star Union Dia-ichi 2 0 0 2TATA AIG 83 14 25 72Private Total 2091 686 357 2420LIC 415 167 72 5<strong>10</strong>Industry Total 2506 853 429 2930130
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>STATE WISE DISTRIBUTION OF OFFICES OF LIFE INSURERS* - <strong>2009</strong>-<strong>10</strong>STATEMENT 28State/ Aegon Aviva Bajaj Bharti Birla Canara DLF Future HDFC ICICI India IDBI ING Kotak Max MetLife Reliance Sahara SBI Shriram Star TATA State LIC StateUnion Territory Allianz AXA Sunlife HSBC Pramerica Generali Std Pru First Federal Vysya Mahindra NewYork Life Life Union AIG Total TotalDia-ichi (Private) (Industry)Andhra Pradesh 3 8 97 14 48 2 - 5 50 408 - 3 44 <strong>10</strong> 33 21 133 2 48 77 1 26 <strong>10</strong>33 264 1297Arunachal Pradesh - 1 1 - 1 - - - - - - - - - - - 2 - 1 - - - 6 3 9Assam 1 8 27 2 18 1 - 1 8 13 - 1 1 3 4 3 33 1 13 - - 13 151 79 230Bihar - 6 55 2 27 1 - 1 4 24 - 1 2 1 5 4 43 6 20 - - 20 222 119 341Chattisgarh 1 2 17 2 8 - - 1 8 8 - - 1 2 5 3 7 1 11 2 - 6 85 51 136Goa 1 1 2 1 4 - - 1 1 3 - 1 1 1 4 2 2 - 4 - - 2 31 14 45Gujarat 6 13 62 19 38 1 3 5 34 204 - 3 12 39 70 22 87 2 26 6 - 36 688 177 865Haryana 4 9 25 8 21 4 7 5 15 36 - 1 9 19 87 14 27 1 17 5 - 15 329 65 394Himachal Pradesh - 1 12 2 5 - - 1 7 6 - - 1 - 6 - <strong>10</strong> - 5 - - 5 61 35 96Jammu & Kashmir - 1 18 1 3 - - 1 2 15 - - 2 1 4 7 12 - 3 - - - 70 25 95Jharkhand 2 4 41 6 14 - - 2 5 18 - 1 - 3 6 5 22 5 11 3 - 12 160 62 222Karnataka 5 8 64 16 37 4 - 4 41 61 - 2 29 <strong>10</strong> 23 17 77 1 24 2 1 20 446 218 664Kerala 4 12 93 14 44 2 - 6 62 192 - 3 25 11 25 28 63 - 33 5 - 34 656 175 831Madhya Pradesh 3 8 66 5 19 1 - 4 34 31 - 1 <strong>10</strong> 7 17 5 64 3 31 6 - <strong>10</strong> 325 199 524Maharashtra 9 20 <strong>10</strong>5 27 77 3 - 16 68 136 2 7 16 34 <strong>10</strong>8 26 121 1 45 7 2 52 882 344 1226Manipur - - - - 1 - - - - - - - - - - - - - - - - - 1 4 5Meghalaya - 1 3 1 3 - - - 1 3 - - - - 1 - 3 - 1 - - 1 18 1 19Mizoram - 0 1 - 1 - - - - 1 - - - - - - 1 - 1 - - 1 6 1 7Nagaland - - - - 2 - - - - - - - - - - - 1 - 1 - - - 4 4 8Orissa 1 8 56 5 20 1 - 2 14 25 - - 5 1 <strong>10</strong> 8 34 1 21 - - 18 230 <strong>10</strong>3 333Punjab 5 11 53 11 53 3 17 5 26 159 - 1 15 16 122 22 72 1 17 4 1 16 630 <strong>10</strong>0 730Rajasthan 3 9 59 9 27 1 - 6 28 231 - 2 14 8 23 8 61 5 21 2 - 24 541 168 709Sikkim - 1 3 1 1 - - - 1 1 - - - - - - 2 - 1 - - 0 11 2 13Tamil Nadu 5 <strong>10</strong> 61 19 42 3 - 6 50 90 - 2 44 12 36 16 <strong>10</strong>4 1 52 29 1 24 607 297 904Tripura - 1 2 - 1 - - - 2 1 - - - - 1 1 3 - - - - 2 14 16 30Uttar Pradesh 5 13 115 16 61 4 1 <strong>10</strong> 50 123 - 3 15 16 61 18 147 14 38 6 - 33 749 347 <strong>10</strong>96Uttrakhand 1 2 17 3 4 - - 1 7 <strong>10</strong> - 1 1 2 5 3 17 - 6 2 - 1 83 44 127West Bengal 3 17 66 12 52 1 - 5 28 88 - 2 2 6 19 14 75 2 31 1 - 52 476 230 706Andaman &Nicobar Islands - - - - - - - - - 1 - - - - - - - - - - - - 1 1 2Chandigarh - 1 3 1 1 - 1 - 1 2 - 1 1 - 2 1 - 1 3 2 - - 21 17 38Dadra &Nagar Haveli - - - - - - - - - - - - - 1 1 - - - - - - - 2 1 3Daman & Diu - - - - 1 - - - - 0 - - - - - - - - - - - - 1 0 1Delhi 4 9 21 5 18 1 3 2 20 30 - 1 3 11 26 7 24 1 8 3 1 14 212 77 289Lakshadweep - - - - - - - - - - - - - - - - - - - - - - 0 0 0Puducherry - 1 6 1 - - - - 1 1 - - 1 1 1 - - - 1 - - 2 16 7 23Company Total 66 186 1151 203 652 33 32 90 568 1921 2 37 254 215 705 255 1247 49 494 162 7 439 8768 3250 12018* Offices opened after seeking approval of the AuthorityNote: 1) Data collected from life insurers through a special return. 2) Office as defined under Section 64VC of the Insurance Act, 1938.131
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>REGION WISE DISTRIBUTION OF OFFICES OF LIFE INSURERS* - <strong>2009</strong>-<strong>10</strong>STATEMENT 29Insurer Metro Urban Semi-urban Others Company TotalAegon 19 38 9 66Aviva 34 62 69 21 186Bajaj Allianz 65 164 452 470 1151Bharti AXA 33 66 93 11 203Birla Sunlife 71 <strong>10</strong>0 383 98 652Canara HSBC <strong>10</strong> 17 6 33DLF Pramerica 3 9 19 1 32Future Generali 12 48 30 90HDFC Standard 81 <strong>10</strong>4 298 85 568ICICI Prudential <strong>10</strong>4 151 526 1140 1921IDBI Federal <strong>10</strong> 20 6 1 37IndiaFirst 2 0 0 0 2ING Vysya 23 58 159 14 254Kotak Mahindra 41 70 95 9 215Max NewYork <strong>10</strong>2 137 235 231 705MetLife 40 73 121 21 255Reliance Life 90 119 570 468 1247Sahara 6 27 15 1 49SBI Life 48 119 251 76 494Shriram 25 49 85 3 162Star Union Dai-ichi 6 1 7TATA AIG 72 123 185 59 439Private total 897 1555 3607 2709 8768LIC 347 550 923 1430 3250Industry total 1244 2<strong>10</strong>5 4530 4139 12018* Offices opened after seeking approval of the Authority.Note: 1) Data collected from life insurers through a special return.2) Based on the HRA classification of places done by the Ministry of Finance.Metro : Delhi, Mumbai, Chennai, Kolkata, Hyderabad and Bangalore.Urban : A, B-1 and B-2 class cities of the HRA classification.Semi-urban : C class cities of the HRA classification.Others : Places not listed in the HRA classification.132
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>STATE WISE DISTRIBUTION OF INDIVIDUAL AGENTS - <strong>2009</strong>-<strong>10</strong>STATEMENT 30LIFE INSURERSState / Union Aegon Aviva Bajaj Bharti Birla Canara DLF Future HDFC ICICI IDBI India ING Kotak Max Met Reliance Sahara SBI Shriram Star TATA Private LIC IndustryTerritory Religare Allianz AXA Sunlife HSBC Pramerica Generali Std. Pru Federal First Vysya Mahindra NewYork Life Life Life Union AIG Total Total(State-wise) (State-wise)Andhra Pradesh 373 2600 15083 1939 19483 0 0 5282 18891 26125 917 0 <strong>10</strong>165 953 4704 7692 25484 770 7247 16<strong>10</strong>1 1 7834 171644 129364 30<strong>10</strong>08Arunachal Pradesh 0 180 95 0 0 0 0 0 0 0 8 0 0 0 5 <strong>10</strong> 572 0 79 0 0 56 <strong>10</strong>05 577 1582Assam 125 1455 8247 389 8874 0 0 528 3762 7789 324 0 312 1235 417 1412 <strong>10</strong>053 342 850 0 0 11964 58078 37858 95936Bihar 2 1825 15817 743 11408 0 0 521 2660 12824 94 0 0 33 649 659 11231 2364 2389 29 2 6532 69782 74947 144729Chattisgarh 90 311 3251 259 2389 0 0 171 2382 1869 6 0 0 15 596 624 1818 <strong>10</strong>0 1726 286 1 1543 17437 14663 32<strong>10</strong>0Goa 87 151 74 114 693 0 0 250 345 333 122 0 193 4 737 194 329 0 284 1 0 146 4057 3937 7994Gujarat 623 1581 7604 2263 7594 0 202 2426 11456 17969 583 0 1311 7209 7684 3115 <strong>10</strong>371 587 2422 116 2 1<strong>10</strong>67 96185 67062 163247Haryana 402 1496 2069 284 4755 0 379 2446 5385 4682 180 0 <strong>10</strong>88 3396 4508 1520 5890 144 1691 0 1 6598 46914 19917 66831Himachal Pradesh 12 200 1956 184 1121 0 0 655 797 2858 19 0 273 0 844 44 1606 0 594 0 0 1301 12464 13400 25864Jammu & Kashmir 0 148 2283 239 323 0 0 822 979 3120 1 0 703 1 520 2686 1739 0 261 0 0 7 13832 7154 20986Jharkhand 205 608 7488 911 3665 0 0 1999 2035 5803 159 0 150 366 594 939 5349 806 1582 212 7 4916 37794 27286 65080Karnataka 556 1161 7279 1860 9095 0 0 1<strong>10</strong>9 12245 7036 454 0 6362 1444 2358 5238 8090 159 5180 771 0 3724 74121 95249 169370Kerala 393 1464 8440 1501 4914 0 0 1782 13682 16303 575 0 3819 736 2473 8461 6298 0 5776 149 0 9352 86118 73766 159884Madhya Pradesh 449 1965 82<strong>10</strong> 1<strong>10</strong>3 5308 0 0 1657 9627 7055 298 0 2330 651 2389 637 <strong>10</strong>719 577 3904 1336 21 3270 61506 58209 119715Maharashtra 742 2881 <strong>10</strong>467 3706 15208 0 0 5072 30263 21233 832 0 2994 6669 13241 6205 11823 308 6574 562 13 13791 152584 160844 313428Manipur 1 19 131 0 450 0 0 0 0 0 62 0 0 0 14 70 0 0 55 0 0 348 1150 1782 2932Meghalaya 6 82 278 143 <strong>10</strong>33 0 0 0 327 213 1 0 0 0 22 5 596 0 71 0 0 292 3069 584 3653Mizoram 0 30 <strong>10</strong>1 0 90 0 0 0 0 140 4 0 0 0 9 1 216 0 32 0 0 336 959 390 1349Nagaland 23 16 <strong>10</strong>3 0 1125 0 0 0 0 0 30 0 0 0 2 18 243 0 60 0 0 173 1793 859 2652Orissa 277 2912 12367 978 7532 0 0 2041 5724 11999 21 0 2116 92 18<strong>10</strong> 2326 <strong>10</strong>145 548 3374 13 2 8794 73071 48171 121242Punjab 563 1372 7072 1856 8318 0 <strong>10</strong>24 1512 7596 15313 345 0 2346 2439 5533 4335 5144 39 1217 0 1 2963 68988 35601 <strong>10</strong>4589Rajasthan 220 1216 4646 1477 7725 0 0 2142 9454 16565 519 0 3247 1130 3352 1515 7087 1591 2713 8 1 8551 73159 67386 140545Sikkim 0 99 227 -14 784 0 0 0 268 411 0 0 0 0 15 5 116 0 20 0 0 171 2<strong>10</strong>2 633 2735Tamil Nadu 701 1737 8686 2356 8573 0 0 2550 11475 9803 396 0 9477 1476 3637 3496 14512 47 8097 1899 1 7782 96701 116634 213335Tripura 0 400 983 155 1 0 0 0 <strong>10</strong>41 1161 2 0 0 0 63 44 <strong>10</strong>08 0 57 0 0 1595 65<strong>10</strong> 3859 <strong>10</strong>369Uttar Pradesh 670 2888 18431 3936 17522 0 27 4765 20340 20858 943 0 2925 2068 6997 3757 23146 4058 4453 14 12 <strong>10</strong>854 148664 160697 309361Uttrakhand 140 139 283 509 1470 0 0 409 1282 1387 147 0 253 23 <strong>10</strong>73 481 3071 181 434 3 0 730 12015 19397 31412West Bengal 444 1777 12538 3303 13237 0 0 2256 14200 16326 241 0 <strong>10</strong>97 1177 2073 3538 <strong>10</strong>827 832 3312 13 3 22317 <strong>10</strong>9511 118062 227573Andaman & Nicobar Islands 0 5 0 0 0 0 0 0 0 282 18 0 0 0 5 6 0 0 0 0 0 5 321 634 955Chandigarh 81 47 372 636 563 0 221 495 1567 983 55 0 316 493 513 466 490 76 170 1 0 257 7802 2967 <strong>10</strong>769Dadra & Nagra Haveli 0 2 98 0 0 0 0 0 0 0 0 0 0 <strong>10</strong>1 3 2 0 0 1 0 0 23 230 2 232Daman & Diu 0 1 6 0 0 0 0 0 0 0 0 0 0 0 4 5 0 0 0 0 0 19 35 138 173Delhi 432 1852 2977 1831 4389 0 262 1723 <strong>10</strong>812 11148 379 0 1667 4173 5967 3771 7136 327 7<strong>10</strong> 4 1 4039 63600 38988 <strong>10</strong>2588Lakshadweep 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 4 5 2 7Puducherry 0 <strong>10</strong>8 79 0 482 0 0 0 284 242 2 0 129 13 17 22 456 0 197 36 0 203 2270 1788 4058Company Total 7617 32728 167741 32661 168124 0 2115 42613 198879 241830 7737 0 53273 35897 72828 63300 195565 13856 65532 21554 69 151557 1575476 1402807 2978283133
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>STATEMENT 31NEW BUSINESS UNDER MICRO INSURANCE PORTFOLIO - <strong>2009</strong>-<strong>10</strong>(LIFE INSURANCE)(Premium in ` Lakh)Insurer Individual Category Group CategoryNo. of Premium No. of No. of PremiumPolicies Schemes Lives coveredAegon ReligareAviva 3757 18.17 1 1548820 834.79Bajaj Allianz 127 2.42Bharti AXABirla Sunlife 568647 263.72Canara HSBCDLF Pramerica 1 7500 0.01Future GeneraliHDFC StandardICICI Prudential 344926 288.18IDBI Federal 13 41442 11.02IndiaFirstING VysyaKotak MahindraMax NewYorkMetLife 125 7.19Reliance LifeSahara 324 4.90SBI Life 1 281856 622.17Shriram 1 15525 4.<strong>10</strong>Star Union Dai-ichiTATA AIG 80903 255.20Private Total 998809 839.78 17 1895143 1472.09LIC 1985145 14982.51 5190 14946927 22869.72Industry Total 2983954 15822.29 5207 16842070 24341.81Note: New business premium includes first year premium and single premium.134
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>STATEMENT 32DEATH CLAIMS UNDER MICRO INSURANCE PORTFOLIO <strong>2009</strong>-<strong>10</strong> - INDIVIDUAL CATEGORY(Benefit Amount in ` Crore)Claims pending Claims intimated / Total Claims Claims paid Claims repudiated Claims written back Claims pending Break up of claims pending — duration wise (Policies)at start of year booked at end of yearLife Insurer No of Benefit No of Benefit No of Benefit No of Benefit No of Benefit No of Benefit No of Benefit < 3 mths 3-< 6 mths 6 - 1 yr TotalPolicies Amount Policies Amount Policies Amount Policies Amount Policies Amount Policies Amount Policies AmountAegon Religare 0 0.00 0 0.00 0 0.00 0 0 0 0 0 0 0 0.00 0 0 0 0 00.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00Aviva 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0 0 0 00.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00Bajaj Allianz 0 0.00 16 2.02 16 2.02 16 2.02 0 0.00 0 0.00 0 0.00 0 0 0 0 0(<strong>10</strong>0.00) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (<strong>10</strong>0.00) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00Bharti AXA 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0 0 0 00.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00Birla Sunlife 0 0.00 919 87.34 919 87.34 915 86.91 4 0.43 0 0.00 0 0.00 0 0 0 0 0(<strong>10</strong>0.00) (<strong>10</strong>0.00) (99.56) (99.51) (0.44) (0.49) 0.00 0.00 0.00 (0.00) 0.00 0.00 0.00 0.00 0.00Canara HSBC 0 0.00 0 0.00 0 0.00 0 0.00 0.00 0.00 0 0.00 0 0.00 0 0 0 0 00.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00DLF Pramerica 0 0.00 0 0.00 0 0.00 0 0.00 0.00 0.00 0 0.00 0 0.00 0 0 0 0 00.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00Future Generali 0 0.00 0 0.00 0 0.00 0 0 0 0 0 0 0 0.00 0 0 0 0 00.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00HDFC Standard 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0 0 0 00.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00ICICI Prudential 20 0.01 2057 1.64 2077 1.65 2077 1.65 0 0.00 0 0.00 0 0.00 0 0 0 0 0(<strong>10</strong>0.00) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (<strong>10</strong>0.00) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00IDBI Federal 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0 0 0 00.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00IndiaFirst 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0 0 0 00.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00Note: Figures in bracket indicates percentage of the respective to total claims.135
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>Cont’d... STATEMENT 32DEATH CLAIMS UNDER MICRO INSURANCE PORTFOLIO <strong>2009</strong>-<strong>10</strong> - INDIVIDUAL CATEGORY(Benefit Amount in ` Crore)Claims pending Claims intimated / Total Claims Claims paid Claims repudiated Claims written back Claims pending Break up of claims pending — duration wise (Policies)at start of year booked at end of yearLife Insurer No of Benefit No of Benefit No of Benefit No of Benefit No of Benefit No of Benefit No of Benefit < 3 mths 3-< 6 mths 6 - 1 yr TotalPolicies Amount Policies Amount Policies Amount Policies Amount Policies Amount Policies Amount Policies AmountING Vysya 0 0.00 29 0.36 29 0.36 29 0.36 0 0.00 0 0.00 0 0.00 0 0 0 0 0(<strong>10</strong>0.00) (<strong>10</strong>0.00) (<strong>10</strong>0.00) (<strong>10</strong>0.00) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00Kotak Mahindra 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0 0 0 00.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00Max NewYork 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0 0 0 00.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00MetLife 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0 0 0 00.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00Reliance Life 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0 0 0 00.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00Sahara 2 0.45 5 0.65 7 1.<strong>10</strong> 5 0.90 0 0.00 0 0.00 2 0.20 2 0 0 0 2(<strong>10</strong>0.00) (<strong>10</strong>0.00) (71.43) (81.82) 0.00 0.00 0.00 0.00 (28.57) (18.18) (<strong>10</strong>0.00) 0.00 0.00 0.00 (<strong>10</strong>0.00)SBI Life 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0 0 0 00.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00Shriram 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0 0 0 00.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00Star Union Dai-ichi 0 0.00 0 0.00 0 0.00 0.00 0.00 0.00 0.00 0 0.00 0 0.00 0 0 0 0 00.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00TATA AIG 6 42.95 387 52.89 393 95.84 364 90.21 24 4.55 0 0.00 5 1.08 4 1 0 0 5(<strong>10</strong>0.00) (<strong>10</strong>0.00) (92.62) (94.13) (6.11) (4.75) 0.00 0.00 (1.27) (1.13) (80.00) (20.00) 0.00 0.00 (<strong>10</strong>0.00)Private Total 28 43.41 3413 144.90 3441 188.31 3406 182.05 28 4.98 0 0.00 7 1.28 6 1 0 0 7(<strong>10</strong>0.00) (<strong>10</strong>0.00) (98.98) (96.68) (0.81) (2.64) 0.00 0.00 (0.20) (0.68) (85.71) (14.29) 0.00 0.00 (<strong>10</strong>0.00)LIC 18 3.27 4115 639.65 4133 642.92 4<strong>10</strong>2 637.17 25 4.36 1 0.27 5 1.12 5 0 0 0 5(<strong>10</strong>0.00) (<strong>10</strong>0.00) (99.25) (99.11) (0.60) (0.68) (0.02) (0.04) (0.12) (0.17) (<strong>10</strong>0.00) 0.00 0.00 0.00 (<strong>10</strong>0.00)Industry Total 46 46.68 7528 784.55 7574 831.23 7508 819.22 53 9.34 1 0.27 12 2.40 11 1 0 0 12(<strong>10</strong>0.00) (<strong>10</strong>0.00) (99.13) (98.56) (0.70) (1.12) (0.01) (0.03) (0.16) (0.29) (91.67) (8.33) 0.00 0.00 (<strong>10</strong>0.00)Note: Figures in bracket indicates percentage of the respective to total claims.136
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>DEATH CLAIMS UNDER MICRO INSURANCE PORTFOLIO <strong>2009</strong>-<strong>10</strong> - GROUP CATEGORYSTATEMENT 33(Benefit Amount in ` Crore)Claims pending Claims intimated / Total Claims Claims paid Claims repudiated Claims written back Claims pending Break up of claims pending — duration wise (Policies)at start of year booked at end of yearLife Insurer No of Benefit No of Benefit No of Benefit No of Benefit No of Benefit No of Benefit No of Benefit
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>DEATH CLAIMS UNDER MICRO INSURANCE PORTFOLIO <strong>2009</strong>-<strong>10</strong> - GROUP CATEGORYContd... STATEMENT 33(Benefit Amount in ` Crore)Claims pending Claims intimated / Total Claims Claims paid Claims repudiated Claims written back Claims pending Break up of claims pending — duration wise (Policies)at start of year booked at end of yearLife Insurer No of Benefit No of Benefit No of Benefit No of Benefit No of Benefit No of Benefit No of Benefit
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>DURATION WISE SETTLEMENT OF MICRO INSURANCE CLAIMS (INDIVIDUAL CATEGORY) FOR <strong>2009</strong>-<strong>10</strong>STATEMENT 34(Benefit Amount in ` Crore)Life Insurer DURATIONWithin 30 Days of 31 to 90 Days 91 to 180 Days 181 Days to 1 Year More than 1 Year Total Claims SettledIntimationNo. of Benefit No. of Benefit No. of Benefit No. of Benefit No. of Benefit No. of BenefitPolicies Amount Policies Amount Policies Amount Policies Amount Policies Amount Policies AmountAegon Religare 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00Aviva 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00Bajaj Allianz 7 0.84 7 0.93 2 0.25 0 0.00 0 0.00 16 2.02Bharti AXA 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00Birla Sun Life 915 86.91 0 0.00 0 0.00 0 0.00 0 0.00 915 86.91Canara HSBC 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00DLF Pramerica 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00Future Generali 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00HDFC Standard 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00ICICI Prudential 2021 1.58 27 0.02 13 0.04 16 0.01 0 0.00 2077 1.65IDBI Federal 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00IndiaFirst 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00ING Vysya 27 0.31 2 0.05 0 0.00 0 0.00 0 0.00 29 0.36Kotak Mahindra 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00Max NewYork 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00MetLife 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00Reliance Life 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00Sahara 1 0.<strong>10</strong> 2 0.35 2 0.45 0 0.00 0 0.00 5 0.90SBI Life 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00Shriram 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00Star Union Dai-ichi 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00TATA AIG 353 87.88 11 2.33 0 0.00 0 0.00 0 0.00 364 90.21Private Total 3324 177.62 49 3.68 17 0.74 16 0.01 0 0.00 3406 182.05LIC 4097 636.14 0 0.00 5 1.03 0 0.00 0 0.00 4<strong>10</strong>2 637.17Industry Total 7421 813.76 49 3.68 22 1.77 16 0.01 0 0.00 7508 819.22139
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>STATEMENT 35DURATION WISE SETTLEMENT OF MICRO INSURANCE CLAIMS (GROUP CATEGORY) FOR <strong>2009</strong>-<strong>10</strong>(Benefit Amount in ` Crore)Life Insurer DURATIONWithin 30 Days of 31 to 90 Days 91 to 180 Days 181 Days to 1 Year More than 1 Year Total Claims SettledIntimationNo. of Benefit No. of Benefit No. of Benefit No. of Benefit No. of Benefit No. of BenefitLives Amount Lives Amount Lives Amount Lives Amount Lives Amount Lives AmountAegon Religare 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00Aviva <strong>10</strong>74 172.92 9 1.47 2 0.26 4 0.80 2 0.37 <strong>10</strong>91 175.82Bajaj Allianz 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00Bharti AXA 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00Birla Sun Life 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00Canara HSBC 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00DLF Pramerica 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00Future Generali 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00HDFC Standard 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00ICICI Prudential 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00IDBI Federal 49 3.59 0 0.00 0 0.00 0 0.00 0 0.00 49 3.59IndiaFirst 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00ING Vysya 79 7.25 45 2.41 12 0.92 0 0.00 0 0.00 136 <strong>10</strong>.58Kotak Mahindra 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00Max NewYork 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00MetLife 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00Reliance Life 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00Sahara 0 0.00 0 0.00 1 0.20 0 0.00 0 0.00 1 0.20SBI Life 974 375.42 29 11.41 7 2.30 1 0.25 0 0.00 <strong>10</strong>11 389.38Shriram 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00Star Union Dai-ichi 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00TATA AIG 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00Private Total 2176 559.18 83 15.29 22 3.68 5 1.05 2 0.37 2288 579.57LIC 4<strong>10</strong>59 17154.63 116 33.98 0 0.00 0 0.00 0 0.00 41175 17188.61Industry Total 43235 17713.81 199 49.27 22 3.68 5 1.05 2 0.37 43463 17768.18140
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>COMPANY WISE NUMBER OF MICRO INSURANCE AGENTSSTATEMENT 36Life Insurer As on Additions Deletions As on1 st April, <strong>2009</strong> during <strong>2009</strong>-<strong>10</strong> during <strong>2009</strong>-<strong>10</strong> 31 st March, 20<strong>10</strong>Aegon Religare 0 0 0 0Aviva 1 0 0 1Bajaj Allianz 193 17 0 2<strong>10</strong>Bharti AXA 0 0 0 0Birla Sun Life <strong>10</strong>4 165 140 129Canara HSBC 0 0 0 0DLF Pramerica 0 0 0 0Future Generali 0 0 0 0HDFC Standard 0 0 0 0ICICI Prudential 14 0 0 14IDBI Federal 0 0 0 0IndiaFirst 0 0 0 0ING Vysya 0 0 0 0Kotak Mahindra 0 0 0 0Max NewYork 0 0 0 0MetLife 0 0 0 0Reliance Life 0 0 0 0Sahara 13 3 1 15SBI Life 0 0 0 0Shriram 1 0 0 1Star Union Dai-ichi 0 0 0 0TATA AIG 277 124 1 400Private Total 603 309 142 770LIC 6647 2071 812 7906Industry Total 7250 2380 954 8676141
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>LIST OF MICRO INSURANCE PRODUCTS OF LIFE INSURERS*STATEMENT 37Insurer Name of Product Date of Launch Name of Product Date of LaunchIndividual Category Group CategoryAviva Gramin Suraksha 16 th March, 2007 Credit Plus 6 th August, 2002Bajaj Allianz Bajaj Allianz Jana Vikas Yojana 7 th March, 2007Bajaj Allianz Saral Suraksha Yojana 7 th March, 2007Bajaj Allianz Alp Nivesh Yojana 7 th March, 2007Birla Sun Life Bima Dhan Sanchay 31 st August, 2007Bima Suraksha Super 31 st August, 2007DLF Pramerica Sarv Suraksha 30 th March, <strong>2009</strong>IDBI Federal Group Microinsurance Plan 16 th December, 2008ICICI Prudential Sarva Jana Suraksha 15 th July, 2008ING Vysya Generic Group TermInsurance for Social Sector 27 th March, 2002ING Saral Suraksha 30 th November, 2007MetLife Met Vishwas 15 th July, 2008Sahara Sahara Sahyog 26 th June, 2006 Sahara Jankalyan 15 th March, 2005SBI Life Grameen Shakti 1 st December, 2007Grameen Super Suraksha 1 st December, 2007Shriram Shri Sahay - SP 18 th March, 2007Shri Sahay - AP 15 th May, 2007Star Union Dai-ichi SUD Life Paraspar Suraksha Plan 17 th May, <strong>2009</strong>Tata AIG Tata AIG Life Ayushman Yojana 8 th August, 2006Tata AIG Life Navkalyan Yojana 8 th August, 2006Tata AIG Life Sampoorn Bima Yojana 8 th August, 2006Tata AIG Sumangal Bima Yojana 2 nd August, 2008LIC Jeevan Madhur 28 th September, 2006 Janashree Bima Yojana <strong>10</strong> th August, 2000Jeevan Mangal 3 rd September, <strong>2009</strong> Aam Aadmi Bima Yojana 2 nd October, 2007* All Micro Insurance products and products falling within the parameters prescribed under the <strong>IRDA</strong> (Micro-Insurance) Regulations, 2005, but launched prior to the said Regulations.142
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>GROSS DIRECT PREMIUM OF NON-LIFE INSURERS (WITHIN & OUTSIDE INDIA)STATEMENT 38(` Crore)INSURER 2000-01 2001-02 2002-03 2003-04 2004-05 2005-06 2006-07 2007-08 2008-09 <strong>2009</strong>-<strong>10</strong>National 2227.73 2439.41 2869.87 3399.97 38<strong>10</strong>.65 3536.34 3827.12 4021.97 4295.85 4645.99New India 3493.05 4198.06 4812.79 4921.47 5<strong>10</strong>3.16 5675.54 5936.78 6151.97 6455.79 7099.14Oriental 2247.<strong>10</strong> 2498.64 2868.15 2899.74 3090.55 3609.77 4020.78 3900.22 4077.90 4854.67United 2524.00 2781.48 2969.63 3063.47 2944.46 3154.78 3498.77 3739.56 4277.77 5239.05Public Total <strong>10</strong>491.88 11917.59 13520.44 14284.65 14948.82 15976.44 17283.45 17813.71 19<strong>10</strong>7.31 21838.85(13.59) (13.45) (5.65) (4.65) (6.87) (8.18) (3.07) (7.26) (14.30)Royal Sundaram 0.24 71.13 184.44 257.76 330.70 458.64 598.20 694.41 803.36 913.11Reliance 1.07 77.46 185.68 161.06 161.68 162.33 912.23 1946.42 1914.88 1979.65IFFCO Tokio 5.83 70.51 213.33 322.24 496.64 892.72 1144.47 1128.15 1374.06 1457.84TATA AIG — 78.46 233.93 343.52 448.24 572.70 7<strong>10</strong>.55 782.64 823.92 853.80ICICI Lombard — 28.13 211.66 486.73 873.86 1582.86 2989.07 3307.12 3402.04 3295.06Bajaj Allianz — 141.96 296.48 476.53 851.62 1272.29 1786.34 2379.92 2619.29 2482.33Cholamandalam — — 14.79 97.05 169.25 220.18 311.73 522.34 685.44 784.85HDFC Ergo — — 9.49 112.95 175.63 200.94 194.00 220.60 339.21 915.40Future Generali — — — — — — — 9.81 186.49 376.61Universal Sompo — — — — — — — 0.48 30.14 189.28Shriram — — — — — — — — 113.76 416.93Bharti AXA — — — — — — — — 28.50 3<strong>10</strong>.82Raheja QBE — — — — — — — — — 1.32Private Total 7.14 467.65 1349.80 2257.83 3507.62 5362.66 8646.57 <strong>10</strong>991.89 12321.09 13977.00(6453.98) (188.64) (67.27) (55.35) (52.89) (61.24) (27.12) (12.09) (13.44)Total <strong>10</strong>499.02 12385.24 14870.25 16542.49 18456.45 21339.<strong>10</strong> 25930.02 28805.60 31428.40 35815.85(17.97) (20.06) (11.25) (11.57) (15.62) (21.51) (11.09) (9.11) (13.96)ECGC — 338.52 374.78 445.48 515.55 577.33 617.66 668.37 744.68 813.00Star Health — — — — — — 22.51 168.19 509.86 961.65Apollo Munich — — — — — — — 2.97 48.14 114.66Max Bupa — — — — — — — — — 0.13AIC — — — 369.21 549.72 555.83 564.67 835.11 833.44 1520.70Note: 1) — represents business not started.2) Figures in the bracket represent the growth over the previous year in per cent.143
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>SEGMENT WISE GROSS DIRECT PREMIUM INCOME OF NON-LIFE INSURERS (WITHIIN INDIA)STATEMENT 39(` Lakh)Insurer/ Fire Marine Motor Health Others TOTALSegments <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09National 42653 39359 23897 20078 218273 214629 <strong>10</strong>7874 89722 69819 64202 462517 427990New India 92378 77333 47430 446<strong>10</strong> 207094 200029 155247 135567 <strong>10</strong>2<strong>10</strong>2 93344 604251 550883Oriental 57342 44065 38812 33259 161<strong>10</strong>6 149130 <strong>10</strong>8454 70985 <strong>10</strong>7957 98983 473671 396423United 65225 57279 45356 33693 182664 156348 126541 90072 <strong>10</strong>4119 90385 523905 427777Public Total 257598 218036 155496 131639 769137 720137 498116 386346 383997 346915 2064345 1803074Royal Sundaram 4081 4884 2302 1997 62691 52991 12547 11431 9689 9034 91311 80336Reliance 13957 13684 2961 3700 131871 116482 23875 3<strong>10</strong>82 25301 26541 197965 191488IFFCO Tokio 17162 19528 13241 11370 73067 68324 16422 14099 25893 24086 145784 137406TATA AIG 14340 14476 11511 11182 22975 22479 8230 7389 28324 26866 85380 82392ICICI Lombard 27006 28302 14657 21647 137916 132129 85676 97380 64252 60744 329506 340204Bajaj Allianz 24006 25306 7394 8817 144555 150339 29555 33343 42724 44123 248233 261929Cholamandalam 4777 5384 4239 3656 450<strong>10</strong> 31953 14951 16589 9508 <strong>10</strong>962 78485 68544HDFC Ergo 13297 5879 2489 829 28992 15878 26874 5601 19889 5735 91540 33921Future Generali 3429 1609 1536 663 20978 9488 8231 5081 3488 1808 37661 18649Universal Sompo 4254 <strong>10</strong>76 385 54 7890 392 1741 308 4659 1184 18928 3014Shriram 174 22 4 41148 11272 366 82 41693 11376Bharti AXA 2833 280 544 61 18451 1739 4919 151 4334 618 3<strong>10</strong>82 2850Raheja QBE 13 2 17 <strong>10</strong>0 132Private Total 129329 120432 61263 63976 735562 613465 233021 222453 238525 211783 1397700 1232<strong>10</strong>9Grand Total 386927 338468 216759 195615 1504699 1333602 731137 608800 622522 558698 3462045 3035183144
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>SEGMENT WISE NET PREMIUM INCOME (EARNED)STATEMENT 40(` Lakh)Insurer Fire Marine Motor Health Others TOTAL<strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09National 35335 29442 13022 12403 196753 185183 88927 67999 47542 472<strong>10</strong> 381579 342236New India <strong>10</strong>6758 96292 23766 23177 217301 202240 126900 116900 96361 86320 57<strong>10</strong>86 524930Oriental 36473 31493 18937 18500 140706 132452 80769 54577 82197 69659 359083 306680United 4<strong>10</strong>45 40861 21170 18623 148316 124757 97202 70011 76086 65658 383819 3199<strong>10</strong>Public Total 219612 198088 76896 72703 703075 644631 393798 309487 302186 268847 1695567 1493756Royal Sundaram 1293 1495 <strong>10</strong>45 754 53713 42723 <strong>10</strong>429 9799 5006 5035 71486 59806Reliance 4074 4151 1800 1511 <strong>10</strong>5072 99023 22176 27692 6803 6509 139925 138886IFFCO-Tokio 4684 6049 3969 4460 61245 52382 12350 1<strong>10</strong>55 9974 9347 92222 83293TATA AIG 2011 2064 6169 5563 27442 28172 6531 8792 16820 14156 58973 58748ICICI Lombard 8993 <strong>10</strong><strong>10</strong>4 3228 2728 111243 97462 75166 68475 20651 18597 219282 197365Bajaj Allianz 11847 11588 5643 5476 125527 129582 25854 23121 19549 19360 188420 189127Cholamandalam 1597 2032 1216 1145 32489 25128 6196 5518 4730 4714 46229 38536HDFC Ergo 332 88 301 192 20205 12819 16401 3635 2766 1213 40006 17947Future Generali 301 92 251 <strong>10</strong>7 13527 3613 3879 1802 790 67 18748 5682Universal Sompo 1263 (267) 13 (22) 2790 33 <strong>10</strong>56 44 2402 124 7524 (87)Shriram 75 (40) 2 (5) 13428 1839 <strong>10</strong>0 (79) 13605 1715Bharti AXA 234 (37) 145 (28) 6131 (170) 1504 18 351 (60) 8364 (278)Raheja QBE (74) (5) (57) (195) (331)Private Total 36629 37319 23777 21880 572756 492606 181542 159951 89749 78985 904453 790741Grand Total 256241 235407 <strong>10</strong>0672 94583 1275832 1137237 575340 469438 391935 347831 2600020 2284497Note: Figures in brackets indicate the negative values.145
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>CHANNEL WISE GROSS DIRECT PREMIUM INCOME FOR <strong>2009</strong>-<strong>10</strong>STATEMENT 41(Premium in ` Crore) (Policies in ’000)Type of Channel Individual Corporate Agents Brokers Referral Direct Others TotalAgents Banks Others Arrangements BusinessPolicies Premium Policies Premium Policies Premium Policies Premium Policies Premium Policies Premium Policies Premium Policies PremiumFire 1746 <strong>10</strong>75 75 86 <strong>10</strong>84 443 216 847 <strong>10</strong>1 26 589 1370 8 73 3818 3919Marine (Cargo) 921 465 36 42 12 6 233 417 5 4 321 518 2 13 1529 1465Marine (Hull) 19 51 0 4 1 4 5 <strong>10</strong>6 0 0 27 777 0 21 52 963Engineering 208 419 5 25 18 24 66 478 2 5 99 680 2 39 400 1669Motor Own Damage 19558 4203 4596 1578 1171 447 2070 931 378 238 6434 2044 232 45 34439 9486Motor Third Party 15048 3018 864 518 572 181 1206 546 78 76 4829 1354 135 165 22733 5857Liability Insurance 3<strong>10</strong> 233 11 15 3 6 51 323 2 3 62 216 1 5 442 801Personal Accident 2759 294 261 80 713 144 325 155 57 14 887 344 16 6 5017 <strong>10</strong>36Medical Insurance 5111 2851 349 369 757 166 628 1335 83 74 2094 2981 160 134 9182 7911Overseas Medical Insurance 372 78 193 27 46 6 154 18 25 9 1237 149 20 3 2047 290Crop Insurance 1 0 5 1 589 1457 36 14 0 0 4 31 21 11 655 1514Miscellaneous 4288 <strong>10</strong>40 140 74 1907 336 341 496 155 77 1793 1486 50 47 8673 3558Total 50340 13729 6534 2819 6875 3219 5332 5665 886 526 18374 11949 646 561 88987 38469146
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>STATE-WISE GROSS DIRECT PREMIUM INCOME FOR <strong>2009</strong>-<strong>10</strong>STATEMENT 42( ` Lakh)States / Union Fire Marine Marine Enginee- Motor Motor Liabilty Personal Health Overseas Crop Miscell- TotalTerriotories Cargo Hull ring OD TP Accident Mediclaim Insurance aneousAndhra Pradesh 27228.80 5864.20 1308.13 24308.82 65922.97 39117.93 3953.29 6458.49 80114.34 2311.96 240<strong>10</strong>.09 19820.21 300419.22Arunachal Pradesh 53.63 <strong>10</strong>.63 0.00 5.84 508.71 208.15 2.46 5.16 4.13 0.00 0.00 39.93 838.63Assam 2914.87 567.72 22.47 1532.63 13988.64 87<strong>10</strong>.14 234.20 367.15 1348.02 16.77 232.12 1951.22 31885.96Bihar 1617.41 216.43 3.06 514.24 15352.80 9078.56 201.70 568.38 753.17 18.20 24762.00 7456.50 60542.45Chhattisgarh 2687.41 697.07 8.79 1467.81 13817.16 8025.11 567.17 857.84 <strong>10</strong>79.46 29.66 30<strong>10</strong>.94 4491.98 36740.41Goa 1386.06 611.02 1216.56 362.12 7387.75 4350.12 183.54 273.27 1463.31 95.04 0.09 458.37 17787.25Gujarat 34836.08 8507.62 4880.49 9441.70 61792.52 382<strong>10</strong>.81 4929.76 7956.86 52428.08 2050.74 11230.19 20994.32 257259.17Haryana 16259.74 5270.25 2003.41 4956.84 42930.09 28882.76 1941.22 3313.47 17916.48 376.55 625.51 12393.35 136869.67Himachal Pradesh 1619.11 145.57 0.<strong>10</strong> 254.64 5263.72 3988.16 144.05 143.97 663.19 13.36 355.94 1261.88 13853.70Jammu & Kashmir 1798.92 250.46 0.16 436.28 7969.07 5633.28 130.65 479.74 3<strong>10</strong>.38 22.14 12.04 2512.89 19556.01Jharkhand 1153.43 294.97 0.00 774.54 <strong>10</strong>426.96 5723.17 151.86 905.17 5570.95 74.88 2833.16 1862.48 29771.56Karnataka 18799.26 6799.05 836.61 7296.06 68<strong>10</strong>5.98 41944.12 9394.56 5999.21 71818.08 2666.96 5365.27 20759.44 259784.61Kerala 7818.31 <strong>10</strong>45.58 459.44 1374.58 52761.91 40530.43 <strong>10</strong>31.46 2580.78 18360.45 735.68 434.63 <strong>10</strong>602.85 137736.09Madhya Pradesh 5448.58 2728.<strong>10</strong> 0.81 1785.50 32578.64 22020.41 687.23 <strong>10</strong>93.27 7267.99 202.75 14676.21 8<strong>10</strong>3.22 96592.70Maharasthra 129432.63 34353.56 778<strong>10</strong>.65 49675.01 140754.46 73778.06 32980.44 35857.24 248118.50 12069.<strong>10</strong> 11389.52 <strong>10</strong>4927.18 951146.34Manipur 33.02 4.49 0.00 2.46 424.88 207.01 15.42 1.74 18.52 0.05 74.79 83.00 865.38Meghalaya 218.84 14.13 0.85 62.45 <strong>10</strong>68.41 775.17 <strong>10</strong>.04 27.58 48.16 1.78 34.06 157.31 2418.79Mizoram 127.54 1.16 0.00 3.68 480.61 336.79 5.17 5.24 0.24 0.00 0.60 <strong>10</strong>2.25 <strong>10</strong>63.28Nagaland 51.58 11.54 0.00 6.91 531.59 291.93 9.59 0.39 246.33 0.00 0.00 <strong>10</strong>9.04 1258.89Orissa 3607.16 716.23 34.75 2294.87 18057.92 11449.65 321.99 917.25 1565.81 27.39 5828.57 4309.52 49131.11Punjab <strong>10</strong>607.21 1940.63 389.89 3127.77 34124.76 17603.34 471.89 1381.70 5534.47 475.45 45.63 9193.13 84895.87Rajasthan 6679.51 2666.68 6.90 1458.09 44900.66 29403.83 746.16 3716.78 6202.14 261.29 21978.18 14066.34 132086.55Sikkim 33.13 11.48 0.00 <strong>10</strong>5.87 476.63 301.<strong>10</strong> 11.57 6.60 26.86 1.25 0.77 49.<strong>10</strong> <strong>10</strong>24.35Tamil Nadu 33850.54 11579.74 5482.63 14755.19 89408.40 64001.66 6145.58 9506.66 116148.00 2833.01 6952.43 28773.14 389436.98Tripura 163.68 18.41 0.00 70.44 1515.61 <strong>10</strong>25.53 23.58 98.99 458.01 0.08 16.23 206.17 3596.74Uttar Pradesh 13642.69 4586.12 502.63 4193.64 65333.62 39283.43 1502.98 4582.23 24462.50 406.85 8683.83 26237.86 193418.39Uttrakhand 2162.69 443.90 2.87 436.35 8235.24 5670.08 231.58 289.83 1426.18 39.71 426.62 2386.64 21751.71West Bengal 20884.67 7272.60 426.99 <strong>10</strong>984.37 38607.45 24502.52 2562.86 2612.93 40638.00 887.30 8389.74 14339.21 172<strong>10</strong>8.62Andaman & Nicobar Island 90.43 17.84 74.06 7.72 199.21 185.75 1.21 1.91 3.48 0.01 0.53 21.07 603.22Chandigarh 2903.16 <strong>10</strong>36.71 1.00 <strong>10</strong>71.08 12941.02 6501.80 234.42 497.71 6467.05 377.17 0.00 2199.17 34230.29Dadra & Nagara Haveli 153.17 23.86 0.00 25.50 139.66 136.24 56.26 9.93 94.62 1.07 0.00 24.00 664.31Daman & Diu 175.00 54.90 0.34 40.88 142.58 123.78 33.67 17.41 182.19 0.00 0.00 29.58 800.32Delhi 40800.26 27652.74 949.60 22799.96 76030.09 28114.50 8772.08 9823.64 86777.93 2957.53 0.00 31571.83 336250.15Lakshadweep 0.00 0.00 0.00 0.00 0.19 1.20 0.00 2.40 0.22 0.00 0.00 0.00 4.01Puducherry 389.37 <strong>10</strong>5.68 2.82 52.51 2302.65 1215.08 31.97 82.06 432.55 20.39 20.32 206.40 4861.78Total 389627.90 125521.05 96426.03 165686.31 934482.58 561331.61 77721.59 <strong>10</strong>0442.98 797949.81 28974.08 151390.01 351700.58 3781254.52147
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>STATEMENT 43NET RETENTIONS OF NON-LIFE INSURERS FOR <strong>2009</strong>-<strong>10</strong>Segment(In Per Cent)Retentions*Fire 73.99Marine Cargo 85.35Marine Hull 23.31Motor 99.99Engineering 68.88Aviation 25.64Miscellaneous 91.39Total 90.30* Within the country148
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>STATEMENT 44INCURRED CLAIMS RATIO-PUBLIC SECTORNON-LIFE INSURERSInsurer Net Earned Premium Claims Incurred (Net) Incurred Claims RatioFire Marine Motor Health Others <strong>2009</strong>-<strong>10</strong> 2008-09 Fire Marine Motor Health Others <strong>2009</strong>-<strong>10</strong> 2008-09 Fire Marine Motor Health Others <strong>2009</strong>-<strong>10</strong> 2008-09(` Lakh) (` Lakh) (Per cent)New India <strong>10</strong>6758 23766 217301 126900 96361 57<strong>10</strong>86 524930 <strong>10</strong>6878 19075 194409 143468 49415 513245 467187 <strong>10</strong>0.11 80.26 89.47 113.06 51.28 89.87 89.00Oriental 36473 18937 140706 80769 82197 359083 306680 31128 12379 126844 <strong>10</strong>4119 51548 326018 305719 85.35 65.37 90.15 128.91 62.71 90.79 99.69National 35335 13022 196753 88927 47542 381579 342236 20288 4752 170140 96511 32846 324536 339367 57.42 36.49 86.47 <strong>10</strong>8.53 69.09 85.05 99.16United 4<strong>10</strong>45 21170 148316 97202 76086 383819 3199<strong>10</strong> 19807 21852 126182 127884 37200 332924 251505 48.26 <strong>10</strong>3.22 85.08 131.56 48.89 86.74 78.62Total 219612 76896 703075 393798 302186 1695567 1493756 178<strong>10</strong>1 58058 617574 471982 17<strong>10</strong>08 1496723 1363779 81.<strong>10</strong> 75.50 87.84 119.85 56.59 88.27 91.30149
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>INCURRED CLAIMS RATIO-PRIVATE SECTOR NON-LIFE INSURERSSTATEMENT 45INSURER Net Earned Premium Claims Incurred (Net) Incurred Claims RatioFire Marine Motor Health Others <strong>2009</strong>-<strong>10</strong> 2008-09 Fire Marine Motor Health Others <strong>2009</strong>-<strong>10</strong> 2008-09 Fire Marine Motor Health Others <strong>2009</strong>-<strong>10</strong> 2008-09(` Lakh) (` Lakh) (Per cent)Royal Sundaram 1293 <strong>10</strong>45 53713 <strong>10</strong>429 5006 71486 59806 494 682 42544 5099 2089 50907 41235 38.18 65.28 79.21 48.89 41.72 71.21 68.95Reliance 4074 1800 <strong>10</strong>5072 22176 6803 139925 138886 3172 1781 83414 25687 4514 118569 <strong>10</strong>7366 77.86 98.95 79.39 115.83 66.37 84.74 77.30IFFCO Tokio 4684 3969 61245 12350 9974 92222 83293 4383 4085 45428 13499 5872 73267 69502 93.57 <strong>10</strong>2.93 74.17 <strong>10</strong>9.30 58.87 79.45 83.44TATA AIG 2011 6169 27442 6531 16820 58973 58748 <strong>10</strong>22 4724 21407 3859 8626 39637 35567 50.83 76.57 78.01 59.<strong>10</strong> 51.28 67.21 60.54ICICI Lombard 8993 3228 111243 75166 20651 219282 197365 6581 2668 <strong>10</strong>2816 67693 <strong>10</strong>504 190263 168454 73.18 82.64 92.42 90.06 50.87 86.77 85.35Bajaj Allianz 11847 5643 125527 25854 19549 188420 189127 6877 4577 97630 17931 11641 138657 135992 58.05 81.11 77.78 69.36 59.55 73.59 71.90Cholamandalam 1597 1216 32489 6196 4730 46229 38536 1215 993 21535 7277 3414 34434 27578 76.05 81.65 66.28 117.45 72.18 74.49 71.56HDFC Ergo 332 301 20205 16401 2766 40006 17947 522 465 17408 19362 1830 39586 14489 157.05 154.59 86.16 118.05 66.15 98.95 80.73Future Generali 301 251 13527 3879 790 18748 5682 549 301 11522 4033 511 16915 6003 182.34 119.88 85.18 <strong>10</strong>3.99 64.63 90.23 <strong>10</strong>5.65Universal Sompo 1263 13 2790 <strong>10</strong>56 2402 7524 (87) 879 88 2244 1445 <strong>10</strong>94 5749 241 69.60 673.85 80.42 136.86 45.52 76.41 (277.23)Shriram 75 2 13428 0 <strong>10</strong>0 13605 1715 63 1 9497 0 38 9599 1200 84.30 78.95 70.73 37.62 70.56 69.97Bharti AXA 234 145 6131 1504 351 8364 (278) 906 178 5175 1536 826 8619 289 387.66 122.52 84.41 <strong>10</strong>2.<strong>10</strong> 235.29 <strong>10</strong>3.05 (<strong>10</strong>3.97)Raheja QBE (74) (5) (57) 0 (195) (331) 0 1 1 14 30 45 0 (1.49) (<strong>10</strong>.32) (24.98) (15.13) (13.71)Total 36629 23777 572756 181542 89749 904453 790741 26663 20543 460633 167422 50989 726249 607916 72.79 86.40 80.42 92.22 56.81 80.30 76.88Note: Figures in brackets indicate the negative values.150
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>UNDERWRITING EXPERIENCE AND PROFITS OF PUBLIC SECTOR COMPANIESSTATEMENT 46(` Lakh)PARTICULARS NEW INDIA ORIENTAL NATIONAL UNITED TOTAL<strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09NET PREMIUM 600263 550031 396253 3235<strong>10</strong> 397765 365363 419016 35<strong>10</strong>41 1813297 1589946INCURRED CLAIMS (Net) 513245 467187 326018 305719 324536 339367 332924 251505 1496723 136377985.50% 84.94% 82.28% 94.50% 81.59% 92.88% 79.45% 71.65% 82.54% 85.78%COMMISSION, EXPENSES 229743 201583 139202 111546 145019 116454 138994 123084 652958 552667OF MANAGEMENT 38.27% 36.65% 35.13% 34.48% 36.46% 31.87% 33.17% 35.06% 36.01% 34.76%INCREASE IN RESERVE FOR 29180 25<strong>10</strong>1 37170 16830 16187 23127 35196 31131 117733 96189UNEXPIRED RISK 4.86% 4.56% 9.38% 5.20% 4.07% 6.33% 8.40% 8.87% 6.49% 6.05%UNDERWRITING PROFIT/LOSS (171905) (143840) (<strong>10</strong>6138) (1<strong>10</strong>586) (87976) (113585) (88099) (54679) (454118) (422690)-30.<strong>10</strong>% -27.40% -29.56% -36.06% -23.06% -33.19% -22.95% -17.09% -26.78% -28.30%GROSS INVESTMENT INCOME 214082 167686 116944 99562 134845 <strong>10</strong>3962 168857 <strong>10</strong>8767 634727 479978OTHER INCOME LESS OTHER OUTGO -6249 5876 (1983) 2182 (200<strong>10</strong>) (3731) 1526 (3797) (26715) 529PROFIT BEFORE TAX 35927 29723 8823 (8842) 26859 (13354) 82284 50291 153894 57818INCOME TAX DEDUCTEDAT SOURCE AND 4540 (7308) (13249) 3576 (4373) (1567) (11505) (2686) (24587) (7985)PROVISION FOR TAXNET PROFIT AFTER TAX 40467 22415 (4425) (5266) 22486 (14921) 70779 47605 129307 49833Note: Figures in brackets indicates negative values.151
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>UNDERWRITING EXPERIENCE AND PROFITS OF PRIVATE SECTOR COMPANIESSTATEMENT 47(` Lakhs)ROYAL SUNDARAM BAJAJ ALLIANZ TATA AIG RELIANCE IFFCO TOKIO ICICI LOMBARD CHOLAMANDALAM<strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09NET PREMIUM 75460 66831 197167 200658 58000 58749 142872 139956 99083 88568 231409 211648 51463 43414CLAIMS INCURRED (NET) 50907 41235 138657 135992 39637 35567 118569 <strong>10</strong>7366 73267 69502 190263 168454 34434 2757867.46% 61.70% 70.32% 67.77% 68.34% 60.54% 82.99% 76.71% 73.94% 78.47% 82.22% 79.59% 66.91% 63.52%COMMISSION, EXPENSES 26474 25161 58028 62261 27244 28867 44583 50989 27446 23639 57619 60300 17250 13595OF MANAGEMENT 35.08% 37.65% 29.43% 31.03% 46.97% 49.14% 31.21% 36.43% 27.70% 26.69% 24.90% 28.49% 33.52% 31.31%INCREASE IN RESERVE 3974 7026 8747 11532 (973) 0 2947 <strong>10</strong>70 7040 5275 12126 14282 5235 4877FOR UNEXPIRED RISK 5.27% <strong>10</strong>.51% 4.44% 5.75% -1.68% 0.00% 2.06% 0.76% 7.<strong>10</strong>% 5.96% 5.24% 6.75% <strong>10</strong>.17% 11.23%UNDERWRITING PROFIT/LOSS (5894) (6591) (8265) (9126) (7908) (5686) (23228) (19468) (8669) (9849) (28600) (31388) (5455) (2636)-8.25% -11.02% -4.39% -4.83% -13.41% -9.68% -16.60% -14.02% -9.42% -11.82% -13.04% -15.90% -11.80% -6.84%GROSS INVESTMENT INCOME 9278 7557 23336 21475 9008 7172 15313 14650 11991 <strong>10</strong>541 47246 36574 5326 3851OTHER INCOME LESS 18 8 2909 2628 78 (536) (1140) (199) 539 (0.36) (2815) (5159) 314 (30)OTHER OUTGOPROFIT BEFORE TAX 3401 973 17980 14977 1178 950 (9055) (5017) 3861 692 15831 27 185 1185INCOME TAX DEDUCTEDAT SOURCE AND (304) (407) (5898) (5461) (509) (526) 4012 (215) (1323) (442) (1438) 2335 51 (486)PROVISION FOR TAXNET PROFIT AFTER TAX 3097 566 12083 9516 670 424 (5043) (5232) 2538 250 14393 2362 236 699Note: Figures in brackets indicate negative amounts.152
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>Cont’d... STATEMENT 47UNDERWRITING EXPERIENCE AND PROFITS OF PRIVATE SECTOR COMPANIES(` Lakh)HDFC ERGO FUTURE GENERALI UNIVERSAL SOMPO SHRIRAM BHARTI AXA RAHEJA QBE TOTAL<strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> <strong>2009</strong>-<strong>10</strong> 2008-09NET PREMIUM 58868 19477 24647 12745 14817 1795 22420 6117 18669 1242 (282) 994594 851199CLAIMS INCURRED (NET) 39586 14489 16915 6003 5749 241 9599 1200 8619 289 45 726249 60791667.25% 74.39% 68.63% 47.<strong>10</strong>% 38.80% 13.42% 42.82% 19.62% 46.17% 23.26% (16.09%) 73.02% 71.42%COMMISSION, EXPENSES 14535 8717 12548 9142 9029 2843 3461 1869 14564 5333 1195 313976 292715OF MANAGEMENT 24.69% 44.75% 50.91% 71.73% 60.93% 158.37% 15.44% 30.56% 78.01% 429.48% (423.36%) 31.57% 34.39%INCREASE IN RESERVE FOR 18863 1529 5900 6861 7293 1882 8815 4402 <strong>10</strong>305 1520 49 90320 60256UNEXPIRED RISK 32.04% 7.85% 23.94% 53.83% 49.22% <strong>10</strong>4.84% 39.32% 71.96% 55.20% 122.38% (17.32%) 9.08% 7.08%UNDERWRITING (14116) (5259) (<strong>10</strong>716) (9260) (7254) (3171) 545 (1354) (14819) (5899) (1571) (135951) (<strong>10</strong>9687)PROFIT/LOSS (18.16%) (25.03%) (57.16%) (157.35%) (96.41%) (3647.64%) 4.00% (12.87%) (51.15%) 2123.20% 474.56% (15.03%) (13.87%)GROSS INVESTMENT 4787 2695 1863 1174 2064 1763 1940 902 909 765 <strong>10</strong>06 134067 <strong>10</strong>9120INCOMEOTHER INCOME LESSOTHER OUTGO (117) 42 (118) (4<strong>10</strong>) (163) (11) (11) (78) (317) (597) (13) (836) (4343)PROFIT BEFORE TAX (9446) (2521) (8970) (8496) (5353) (1419) 2474 (529) (14226) (5732) (579) (2720) (49<strong>10</strong>)INCOME TAX DEDUCTEDAT SOURCE AND 16 (53) (37) 146 (20) (887) 139 (4) (44) (6136) (5216)PROVISION FOR TAXNET PROFIT AFTER TAX (9430) (2575) (8970) (8533) (5207) (1439) 1587 (390) (14230) (5775) (579) (8856) (<strong>10</strong>126)Note: Figures in brackets indicate negative amounts.153
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>ASSETS UNDER MANAGEMENT OF NON-LIFE INSURERSSTATEMENT 48(` Crore)Insurer Central Govt. Securities State Govt. & Other Housing & Loans to State Infrastructure Approved Other TotalApproved Securities Govt. for Housing & FFE Investments Investments Investments Investments31-Mar-09 31-Mar-<strong>10</strong> 31-Mar-09 31-Mar-<strong>10</strong> 31-Mar-09 31-Mar-<strong>10</strong> 31-Mar-09 31-Mar-<strong>10</strong> 31-Mar-09 31-Mar-<strong>10</strong> 31-Mar-09 31-Mar-<strong>10</strong> 31-Mar-09 31-Mar-<strong>10</strong>GIC 3228.88 3766.25 1817.55 2285.80 1140.53 1200.05 1607.65 2086.43 74<strong>10</strong>.20 6637.31 1524.96 1505.03 16729.76 17480.88New India 3042.<strong>10</strong> 3098.47 1265.81 1139.50 828.61 714.53 1781.67 1792.49 3411.45 4717.07 442.07 388.97 <strong>10</strong>771.71 11851.03National 1405.12 1472.64 540.59 744.02 415.43 419.85 <strong>10</strong>83.46 1209.25 1776.08 1883.89 538.06 640.16 5758.74 6369.80United India 1720.38 2025.37 <strong>10</strong>24.26 903.06 418.74 850.54 1441.96 1168.64 2991.46 3728.47 771.71 578.13 8368.51 9254.22Oriental 1980.17 1929.<strong>10</strong> 686.49 766.35 456.35 424.99 574.72 827.28 2129.84 2473.33 325.95 3<strong>10</strong>.11 6153.53 6731.16PUBLIC SECTOR (A) 11376.65 12291.84 5334.70 5838.73 3259.65 3609.96 6489.46 7084.09 17719.02 19440.06 3602.75 3422.42 47782.25 51687.09Reliance General 389.24 386.52 55.41 141.09 <strong>10</strong>0.19 111.04 334.71 329.49 469.30 599.51 15.12 89.01 1363.97 1656.66Royal Sundaram 172.87 211.88 75.34 80.71 <strong>10</strong>4.66 145.08 217.90 218.76 217.54 251.79 0.00 0.05 788.31 908.26IFFCO Tokio 376.62 412.58 0.00 0.00 126.01 128.59 169.92 192.92 385.47 545.41 0.00 0.00 <strong>10</strong>58.02 1279.50TATA AIG 179.95 354.86 140.09 35.72 69.36 115.<strong>10</strong> 225.19 217.58 94.93 130.66 4.92 2.04 714.43 855.97Bajaj Allianz 519.16 579.09 259.38 356.<strong>10</strong> 242.57 216.61 556.71 757.84 776.31 827.46 0.00 2.79 2354.13 2739.89ICICI Lombard 956.72 818.33 191.48 311.60 190.43 204.33 706.07 765.96 845.53 1208.62 286.62 333.86 3176.85 3642.70Star Health 31.01 <strong>10</strong>1.<strong>10</strong> 0.00 0.00 24.93 15.00 19.93 24.97 11.21 86.89 5.00 28.09 92.09 256.05Cholamandalam 126.06 179.47 0.00 0.00 31.48 45.85 45.08 96.89 167.52 252.02 1.38 0.00 371.52 574.23HDFC Ergo 93.08 171.53 0.00 40.23 24.38 40.14 45.87 171.30 95.98 183.71 14.28 17.23 273.59 624.13Universal Sompo 128.93 <strong>10</strong>9.86 11.98 24.04 16.60 21.49 25.14 60.34 25.00 30.64 0.00 11.83 207.64 258.19Future Generali 59.40 69.46 1.57 29.16 14.81 26.62 44.56 76.38 18.50 66.39 22.12 7.99 160.97 276.00Apollo Munich 27.78 35.72 6.97 <strong>10</strong>.01 9.58 13.32 12.39 33.01 41.96 44.55 3.77 2.59 <strong>10</strong>2.45 139.20Shriram 49.53 99.35 0.00 0.00 14.51 14.59 50.65 112.14 21.86 52.08 4.00 0.00 140.55 278.16Bharti AXA 24.65 65.45 0.00 0.00 4.96 15.24 16.13 36.94 62.61 136.67 <strong>10</strong>.68 20.91 119.03 275.21Raheja QBE 79.57 59.16 0.00 0.00 <strong>10</strong>.02 <strong>10</strong>.01 20.13 25.19 77.76 87.47 0.00 0.00 187.49 181.83SBI General 0.00 60.83 0.00 93.31 0.00 49.26 0.00 156.69 0.00 276.23 0.00 0.00 0.00 636.32Max Bupa 0.00 31.<strong>10</strong> 0.00 <strong>10</strong>.50 0.00 7.53 0.00 12.52 0.00 35.96 0.00 4.92 0.00 <strong>10</strong>2.53PRIVATE SECTOR (B) 3214.57 3746.29 742.21 1132.48 984.50 1179.78 2490.36 3288.92 3311.48 4816.04 367.90 521.32 11111.02 14684.83TOTAL (A+B) 14591.22 16038.12 6076.92 6971.21 4244.15 4789.74 8979.82 <strong>10</strong>373.01 2<strong>10</strong>30.50 24256.<strong>10</strong> 3970.65 3943.74 58893.27 66371.92Note: Figures for the period ended 31 st March, 20<strong>10</strong> are based on the provisional figures154
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>EQUITY SHARE CAPITAL OF NON-LIFE INSURERSSTATEMENT 49Insurer As on Infusion As on Foreign Indian31 st March During 31 st Promoter Promoter FDI (%)<strong>2009</strong> <strong>2009</strong>-<strong>10</strong> March 20<strong>10</strong>Royal Sundaram 2<strong>10</strong>.00 0.00 2<strong>10</strong>.00 54.60 155.40 26.00Reliance General 113.08 2.14 115.22 0.00 115.22 0.00Bajaj Allianz 1<strong>10</strong>.23 0.00 1<strong>10</strong>.23 28.66 81.57 26.00IFFCO Tokio 247.00 0.00 247.00 64.22 182.78 26.00TATA AIG 300.00 0.00 300.00 78.00 222.00 26.00ICICI Lombard 403.14 0.50 403.63 <strong>10</strong>4.54 299.09 25.90HDFC Ergo 200.00 215.00 415.00 <strong>10</strong>7.90 307.<strong>10</strong> 26.00Cholamandalam 141.96 125.00 266.96 69.41 197.55 26.00Future Generali 190.25 89.75 280.00 71.40 208.60 25.50Universal Sompo 150.00 0.00 150.00 39.00 111.00 26.00Bharti AXA 162.58 37.42 200.00 44.44 155.56 22.22Shriram <strong>10</strong>5.00 0.00 <strong>10</strong>5.00 27.30 77.70 26.00Raheja QBE 200.00 7.00 207.00 53.82 153.18 26.00SBI General* 150.00 150.00 39.00 111.00 26.00Sub Total (Private Sector) 2533.23 626.81 3160.04 782.30 2377.74 24.76(` Crore)United India 150.00 0.00 150.00 0.00 150.00 0.00New India 200.00 0.00 200.00 0.00 200.00 0.00Oriental <strong>10</strong>0.00 0.00 <strong>10</strong>0.00 0.00 <strong>10</strong>0.00 0.00National <strong>10</strong>0.00 0.00 <strong>10</strong>0.00 0.00 <strong>10</strong>0.00 0.00Sub Total (Public Sector) 550.00 0.00 550.00 0.00 550.00 0.00Total (Non Life) 3083.23 626.81 37<strong>10</strong>.04 782.30 2927.74 21.09ECGC 900.00 0.00 900.00 0.00 900.00 0.00AIC 200.00 0.00 200.00 0.00 200.00 0.00Star Health <strong>10</strong>9.30 55.03 164.33 42.36 121.97 25.78Apollo Munich <strong>10</strong>7.37 21.93 129.30 32.41 96.89 25.06Max Bupa* 151.00 151.00 39.26 111.74 26.00GIC 430.00 0.00 430.00 0.00 430.00 0.00Grand Total (Non Life) 4829.90 854.77 5684.67 896.32 4788.35 15.77Note : * Insurers have commenced operations in <strong>2009</strong>-<strong>10</strong>155
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>SOLVENCY RATIOS OF NON-LIFE INSURERSSTATEMENT 50SL Insurer March, June, September, December, March,No. <strong>2009</strong> <strong>2009</strong> <strong>2009</strong> <strong>2009</strong> 20<strong>10</strong>PRIVATE INSURERS1 Bajaj Allianz 1.62 2.18 2.18 2.18 1.542 Bharti AXA 2.11 1.78 1.78 1.71 2.383 Cholamandalam 1.02 2.14 1.65 1.56 1.764 Future Generali 1.83 1.80 1.85 1.83 1.545 HDFC Ergo 2.48 1.52 2.72 1.91 1.496 ICICI Lombard 2.03 1.98 2.08 2.08 2.077 IFFCO Tokio 1.77 2.37 2.33 2.22 1.768 Raheja QBE NA 3.93 3.84 3.81 3.799 Royal Sundaram 1.64 2.51 2.<strong>10</strong> 2.07 1.39<strong>10</strong> Reliance 1.59 2.60 2.37 1.91 1.7011 SBI General NA NA NA 12.97 12.8412 Shriram 1.94 1.99 2.06 2.18 1.7513 TATA AIG 1.97 1.92 1.85 1.83 1.8814 Universal Sompo 4.23 4.09 3.86 3.57 3.15PUBLIC INSURERS15 National 1.56 1.60 1.75 1.63 1.6016 New India 3.41 3.34 3.45 2.83 3.5517 Oriental 1.66 1.67 1.56 1.51 1.5618 United India 3.32 2.55 3.79 3.91 3.41SPECIALISED INSURERS19 AIC 4.58 31.37 4.54 2.61 2.0720 Apollo Munich Health 1.82 1.52 1.58 1.68 1.6421 ECGC 16.42 27.71 26.23 24.50 14.1722 Max Bupa Health NA NA NA NA 2.0723 Star Health 1.38 2.55 1.97 1.62 1.68RE-INSURER24 GIC 3.67 3.49 3.04 3.89 3.71156
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>PUBLIC SECTOR NON-LIFE INSURERS : POLICYHOLDERS ACCOUNTSTATEMENT 51(` Lakh)NEW INDIA ORIENTAL<strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09PARTICULARS Fire Marine Misc Total Fire Marine Misc Total Fire Marine Misc Total Fire Marine Misc TotalPremiums earned (Net) <strong>10</strong>6758 23766 440562 57<strong>10</strong>86 96292 23177 405460 524930 36473 18937 303672 359083 31493 18500 256687 306680Profit/ Loss on sale/redemptionof Investments 7847 3022 41158 52028 3616 1287 20429 25333 4488 2084 35261 41834 2729 1292 23765 27786Others (88) (315) (125) (528) (79) (83) (55) (216)Interest, Dividend &Rent – Gross <strong>10</strong>506 4046 55<strong>10</strong>2 69654 9681 3446 54685 67812 4852 2253 38123 45228 4284 2029 37313 43626TOTAL (A) 125112 30834 536822 692767 <strong>10</strong>9590 279<strong>10</strong> 480574 618074 45725 22960 376931 445616 38427 21737 317711 377875Claims Incurred (Net) <strong>10</strong>6878 19075 387292 513245 60668 27711 378807 467187 31128 12379 2825<strong>10</strong> 326018 36245 17226 252248 305719Commission 12827 1907 41402 56137 13705 1455 40923 56083 (146) 1536 22736 24127 301 1167 18634 20<strong>10</strong>2Operating Expenses relatedto Insurance Business 35967 8658 128981 173606 29340 7780 <strong>10</strong>8381 145501 14415 7099 93562 115076 <strong>10</strong>582 5613 75249 91444Others- Amortizations,Write offs & Provisions <strong>10</strong> 4 51 65 (79) (28) (446) (553) (17) (8) (135) (161) 26 12 223 260Foreign Taxes 2 1 70 73 2 1 141 144TOTAL (B) 155684 29645 557796 743125 <strong>10</strong>3636 36919 527806 668362 45380 2<strong>10</strong>07 398673 465060 47154 24018 346354 417526Operating Profit/(Loss)from Fire/Marine/Miscellaneous BusinessC= (A - B) (30572) 1189 (20974) (50358) 5954 (9009) (47232) (50288) 345 1953 (21742) (19443) (8727) (2281) (28643) (39651)APPROPRIATIONSTransfer toShareholders’ Account (30572) 1189 (20974) (50358) 5954 (9009) (47232) (50288) 345 1953 (21742) (19443) (8727) (2281) (28643) (39651)Transfer toCatastrophe ReserveTransfer to Other ReservesTOTAL (C ) (30572) 1189 (20974) (50358) 5954 (9009) (47232) (50288) 345 1953 (21742) (19443) (8727) (2281) (28643) (39651)Note: Figure in brackets indicates the negative value157
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>PUBLIC SECTOR NON-LIFE INSURERS : POLICYHOLDERS ACCOUNTCont’d... STATEMENT 51(` Lakh)NATIONAL UNITED TOTAL<strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09PARTICULARS Fire Marine Misc Total Fire Marine Misc Total Fire Marine Misc Total Fire Marine Misc Total <strong>2009</strong>-<strong>10</strong> 2008-09Premiums earned (Net) 35335 13022 333221 381579 29442 12403 300391 342236 4<strong>10</strong>45 21170 321604 383819 40861 18623 260426 3199<strong>10</strong> 1695567 1493756Profit/ Loss on sale/redemption of Investments 5937 2643 55241 63821 3359 1429 335<strong>10</strong> 38298 6491 2424 46763 55678 2580 <strong>10</strong>40 20463 24083 213361 115499Others 5 13 995 <strong>10</strong>13 585 296 4027 4908 2 (<strong>10</strong>) 71 63 4380 860Interest, Dividend &Rent – Gross 4199 1870 39070 45138 3665 1559 36566 41790 5582 2085 40215 47882 4724 1905 37472 44<strong>10</strong>1 207902 197329TOTAL (A) 45471 17535 427532 490538 36470 15405 371462 423338 53704 25974 412609 492288 48168 21558 318431 388157 21212<strong>10</strong> 1807444Claims Incurred (Net) 20288 4752 299497 324536 23761 13460 302146 339367 19807 21852 291265 332924 29593 15071 206841 251505 1496723 1363779Commission 1220 <strong>10</strong>96 20825 23141 <strong>10</strong>85 1112 19620 21818 (441) 2282 21454 23294 54 1371 18519 19944 126699 117947Operating Expenses relatedto Insurance Business 12183 4504 <strong>10</strong>5190 121878 9660 3538 81439 94636 14095 7122 94483 115699 13858 5613 83668 <strong>10</strong>3140 526259 434721Others- Amortizations,Write offs & Provisions 134 82 8081 8298 81 76 7757 7914 268 <strong>10</strong>0 1931 2299 246 99 1948 2292 <strong>10</strong>500 9914Foreign Taxes 596 596 669 144TOTAL (B) 33825 <strong>10</strong>434 434190 478449 34586 18187 4<strong>10</strong>962 463735 33729 31355 409132 474217 43751 22154 3<strong>10</strong>976 376882 2160851 1926505Operating Profit/(Loss)from Fire/Marine/Miscellaneous BusinessC= (A - B) 11646 7<strong>10</strong>1 (6658) 12090 1884 (2782) (39500) (40398) 19975 (5381) 3477 18071 4417 (596) 7455 11276 (39641) (119061)APPROPRIATIONSTransfer toShareholders’ Account 11646 7<strong>10</strong>1 (6658) 12090 1884 (2782) (39500) (40398) 19975 (5381) 3477 18071 4417 (596) 7455 11276 (39641) (119061)Note: Figures in brackets indicate the negative value158
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>PUBLIC SECTOR NON-LIFE INSURERS : SHAREHOLDERS ACCOUNTSTATEMENT 52(` Lakh)PARTICULARS NEW INDIA ORIENTAL NATIONAL UNITED TOTAL<strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09OPERATING PROFIT/(LOSS)(a) Fire Insurance (30572) 5954 345 (8727) 11646 1884 19975 4417 1394 3528(b) Marine Insurance 1189 (9009) 1953 (2281) 7<strong>10</strong>1 (2782) (5381) (596) 4863 (14668)(c) Miscellaneous Insurance (20974) (47232) (21742) (28643) (6658) (39500) 3477 7455 (45897) (<strong>10</strong>7920)(50358) (50288) (19443) (39651) 12090 (40398) 18071 11276 (39641) (119061)INCOME FROM INVESTMENTS(a) Interest, Dividend & Rent – Gross 52893 54269 15523 17197 <strong>10</strong>723 12458 30190 26202 <strong>10</strong>9330 1<strong>10</strong>125(b) Profit on sale of investments 39508 20273 14358 <strong>10</strong>953 15162 11717 35<strong>10</strong>7 14308 <strong>10</strong>4135 57252Less: Loss on sale of investments (301) (301)OTHER INCOME 1592 4978 (420) 2929 1772 1363 366 (133) 33<strong>10</strong> 9138TOTAL (A) 43635 29233 <strong>10</strong>018 (8571) 39747 (15160) 83734 51653 177134 57154PROVISIONS (Other than taxation)(a) For diminution in the value of investments 455 476 (5) 66 (198) (3907) 36 (114) 288 (3479)(b) For doubtful debts 7379 (744) 1250 168 11498 907 (803) (307) 19324 24(c) Others (34) (175) 295 309 262 134OTHER EXPENSES(a) Expenses other than thoserelated to Insurance Business 275 208 91 59 366 268(b) Bad debts written off 1 1(c) Others (93) (47) (345) (272) 1313 985 2125 1723 3000 2389TOTAL (B) 7708 (490) 1195 271 12888 (1807) 1449 1362 23239 (664)Profit Before Tax 35927 29723 8823 (8842) 26859 (13354) 82284 50291 153894 57818Provision for Taxation 4540 (7308) (13249) 3576 (4373) (1567) (11505) (2686) (24587) (7985)Profit after Tax 40467 22415 (4425) (5266) 22486 (14921) 70779 47605 129307 49833APPROPRIATIONS(a) Interim dividends paidduring the year(b) Proposed final dividend 8500 4500 4398 14200 9600 27098 14<strong>10</strong>0(c) Dividend distribution tax 1445 765 747 2412 1630 4604 2395Contingency reserves forUnexpired Risks (Schedule 16B) 4495 4495(d) Transfer to any Reserves or Other AccountsTransfer to General Reserve 30523 12655 (4425) (5266) 17341 (14921) 54167 36375 97605 28843Balance of Profit / Loss B/f from last yearBalance C/f to Balance SheetNote: Figures in brackets indicate negative values159
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>PUBLIC SECTOR NON-LIFE INSURERS : BALANCE SHEET(AS ON 31 st MARCH)STATEMENT 53(` Lakh)PARTICULARS NEW INDIA ORIENTAL NATIONAL UNITED TOTALSOURCES OF FUNDS 20<strong>10</strong> <strong>2009</strong> 20<strong>10</strong> <strong>2009</strong> 20<strong>10</strong> <strong>2009</strong> 20<strong>10</strong> <strong>2009</strong> 20<strong>10</strong> <strong>2009</strong>Share Capital 20000 20000 <strong>10</strong>000 <strong>10</strong>000 <strong>10</strong>000 <strong>10</strong>000 15000 15000 55000 55000Reserves & Surplus 723021 712215 182940 187365 148290 130949 400245 346359 1454495 1376889Fair Value Change Account 1564174 741729 811716 397556 805516 360649 480845 186082 3662251 1686016BorrowingsDeferred Tax LiabilityTOTAL 2307194 1473945 <strong>10</strong>04656 594921 963806 501598 896090 547441 5171746 3117905APPLICATION OF FUNDSInvestments 2620322 1776757 1380788 944434 1417854 915093 1344830 967921 6763793 4604205Loans 55935 59386 30999 33636 35977 37840 45356 50414 168268 181277Fixed Assets 16215 15817 9078 8547 <strong>10</strong>990 5611 <strong>10</strong>838 12396 47121 42372Deferred Tax Assets 9458 2331 9458 2331CURRENT ASSETSCash & Bank Balance 436519 332084 149946 115013 44164 39369 84376 61825 715004 548291Advances and Other Assets 544842 506702 239763 244632 29<strong>10</strong>62 256409 235577 204352 1311244 1212095Sub-Total (A) 981361 838785 389708 359645 335226 295778 319953 266177 2026249 1760386CURRENT LIABILITIES 948057 862171 523286 527053 611479 555671 536082 513382 2618904 2458277Provisions 428039 356961 282632 224289 230340 197708 288805 236086 1229815 <strong>10</strong>15044Sub-Total (B) 1376096 1219132 805917 751341 841819 753380 824887 749467 3848720 3473321Net Current Assets (C)= (A-B) (394735) (380346) (416209) (391697) (506593) (457602) (504934) (483290) (1822471) (1712935)Misc. Expenditure (to theextent not written off or adjusted) 5578 655 5578 655Profit & Loss Account (Debit Balance)TOTAL 2307194 1473945 <strong>10</strong>04656 594921 963806 501598 896090 547441 5171746 3117905Note: Figures in brackets indicate the negative values.160
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>PRIVATE SECTOR NON-LIFE INSURERS : POLICYHOLDERS ACCOUNTSTATEMENT 54(` Lakh)PARTICULARS ROYAL SUNDARAM BAJAJ ALLIANZ TATA AIGFire Marine Misc. <strong>2009</strong>-<strong>10</strong> 2008-09 Fire Marine Misc. <strong>2009</strong>-<strong>10</strong> 2008-09 Fire Marine Misc. <strong>2009</strong>-<strong>10</strong> 2008-09Premiums earned (Net) 1293 <strong>10</strong>45 69148 71486 59806 11847 5643 170931 188420 189127 2011 6169 50793 58973 58748Profit/ Loss on sale/redemptionof Investments 49 21 946 <strong>10</strong>16 499 67 21 607 695 1231 48 117 989 1155 157Others 9 9 6 138 9 3332 3480 3146 13 (13) (140) (141) 236Interest, Dividend & Rent – Gross 351 96 5509 5956 5149 1617 498 14606 16721 14915 375 426 4729 5531 4709TOTAL (A) 1693 1162 75612 78467 65460 13670 6171 189476 209316 208419 2447 6699 56372 65518 63850Claims Incurred (Net) 494 682 49731 50907 41235 6877 4577 127203 138657 135992 <strong>10</strong>22 4724 33892 39637 35567Commission (251) 24 3304 3077 3206 (1574) 349 4401 3177 2378 (1928) 147 4009 2229 1982Operating Expenses related to 702 385 223<strong>10</strong> 23397 21955 4402 1512 48937 54851 59883 1140 2531 21345 25016 26885Insurance BusinessCo-insurance administration fee 30 1 4 34 46Solatium Fund 145 145 172 24 24 23Premium Deficiency 212 212 354Others-Miscellaneous 96 96 173TOTAL (B) 944 <strong>10</strong>92 75345 77381 66397 9706 6438 180898 197042 198779 263 7403 59369 67035 64503Operating Profit/(Loss) C= (A - B) 748 70 267 <strong>10</strong>86 (937) 3964 (268) 8578 12274 9640 2184 (703) (2997) (1517) (826)APPROPRIATIONSTransfer to Shareholders’ Account 748 70 267 <strong>10</strong>86 (937) 3964 (268) 8578 12274 9640 2184 (703) (2997) (1517) (826)Transfer to Catastrophe ReserveTransfer to Other ReservesTOTAL (C ) 748 70 267 <strong>10</strong>86 (937) 3964 (268) 8578 12274 9640 2184 (703) (2997) (1517) (826)Note : Figures in brackets indicate the negative values.161
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>PRIVATE SECTOR NON-LIFE INSURERS : POLICYHOLDERS ACCOUNTCont’d... STATEMENT 54(` Lakh)PARTICULARS RELIANCE IFFCO TOKIO ICICI LOMBARDFire Marine Misc. <strong>2009</strong>-<strong>10</strong> 2008-09 Fire Marine Misc. <strong>2009</strong>-<strong>10</strong> 2008-09 Fire Marine Misc. <strong>2009</strong>-<strong>10</strong> 2008-09Premiums earned (Net) 4074 1800 134051 139925 138886 4684 3969 83570 92222 83293 8993 3228 207061 219282 197365Profit/ Loss on sale/redemption of Investments 134 28 1735 1897 1775 12 12 185 208 315 561 364 14778 15703 11263Others 12 12 3 (235) 271 (64) (28) (4) (75) (32) (1582) (1690) (2182)Interest, Dividend & Rent – Gross 593 126 7686 8404 8041 595 585 9277 <strong>10</strong>457 8254 531 344 13962 14837 14211TOTAL (A) 4801 1954 143483 150237 148705 5055 4836 92968 <strong>10</strong>2860 91858 <strong>10</strong>0<strong>10</strong> 3904 234219 248133 220657Claims Incurred (Net) 3172 1781 113616 118569 <strong>10</strong>7366 4383 4085 64799 73267 69502 6581 2668 18<strong>10</strong>14 190263 168454Commission (1419) (53) (2047) (3519) (3155) (<strong>10</strong>47) (324) 3890 2519 (323) (1118) (790) 4013 2<strong>10</strong>6 (7558)Operating Expenses related 1149 482 46433 48063 54<strong>10</strong>4 2931 2260 19736 24927 23962 4688 2468 48357 55514 67858to Insurance BusinessCo-insurance administration feeSolatium FundPremium Deficiency (254) (254) 254 (985) (985) 680Others-MiscellaneousTOTAL (B) 2902 1956 158002 162860 158569 6266 6021 88425 <strong>10</strong>0713 93142 <strong>10</strong>152 3361 233384 246897 229433Operating Profit/(Loss) C= (A - B) 1898 (2) (14519) (12623) (9864) (1211) (1185) 4543 2147 (1284) (142) 543 835 1235 (8776)APPROPRIATIONSTransfer to Shareholders’ Account 1898 (2) (14519) (12623) (9864) (1211) (1185) 4543 2147 (1284) (142) 543 835 1235 (8776)Transfer to Catastrophe ReserveTransfer to Other ReservesTOTAL (C ) 1898 (2) (14519) (12623) (9864) (1211) (1185) 4543 2147 (1284) (142) 543 835 1235 (8776)Note : Figures in brackets indicate the negative values.162
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>PRIVATE SECTOR NON-LIFE INSURERS : POLICYHOLDERS ACCOUNTCont’d... STATEMENT 54(` Lakh)PARTICULARS CHOLAMANDALAM HDFC ERGO FUTURE GENERALIFire Marine Misc. <strong>2009</strong>-<strong>10</strong> 2008-09 Fire Marine Misc. <strong>2009</strong>-<strong>10</strong> 2008-09 Fire Marine Misc. <strong>2009</strong>-<strong>10</strong> 2008-09Premiums earned (Net) 1597 1216 43415 46229 38536 332 301 39373 40006 17947 300 251 18197 18748 5682Profit/ Loss on sale/redemption 45 24 433 501 128 8 3 236 247 167 9 3 76 88 15of InvestmentsOthers 5 2 1 7 12 (3) (1) 689 686 363 1 0 5 6 2Interest, Dividend & Rent – Gross 342 113 3051 3506 2702 79 29 2270 2378 1252 73 26 601 700 262TOTAL (A) 1988 1355 46900 50243 41378 416 332 42568 43316 19730 383 280 18878 19542 5960Claims Incurred (Net) 1215 993 32226 34434 27578 522 465 38600 39586 14489 549 301 16066 16915 6003Commission (476) (355) (1314) (2145) (2801) (1822) (174) (1747) (3743) (2034) (607) (94) (<strong>10</strong>25) (1726) (737)Operating Expenses related to <strong>10</strong>53 925 17417 19395 16395 650 184 17444 18278 <strong>10</strong>751 1452 531 12290 14274 9878Insurance BusinessCo-insurance administration feeSolatium Fund 21 21 9Premium Deficiency 128 128 50 (26) 24 51Others-MiscellaneousTOTAL (B) 1792 1563 48457 51812 41173 (650) 475 54297 54121 23206 1443 738 27326 29508 15205Operating Profit/(Loss) C= (A - B) 196 (208) (1557) (1569) 206 <strong>10</strong>67 (143) (11729) (<strong>10</strong>805) (3476) (<strong>10</strong>60) (458) (8448) (9967) (9245)APPROPRIATIONSTransfer to Shareholders’ Account 196 (208) (1557) (1569) 206 <strong>10</strong>67 (143) (11729) (<strong>10</strong>805) (3476) (<strong>10</strong>60) (458) (8448) (9967) (9245)Transfer to Catastrophe ReserveTransfer to Other ReservesTOTAL (C ) 196 (208) (1557) (1569) 206 <strong>10</strong>67 (143) (11729) (<strong>10</strong>805) (3476) (<strong>10</strong>60) (458) (8448) (9967) (9245)Note : Figures in brackets indicate the negative values.163
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>PRIVATE SECTOR NON-LIFE INSURERS : POLICYHOLDERS ACCOUNTCont’d... STATEMENT 54(` Lakh)PARTICULARS UNIVERSAL SOMPO SHRIRAM BHARTI AXAFire Marine Misc. <strong>2009</strong>-<strong>10</strong> 2008-09 Fire Marine Misc. <strong>2009</strong>-<strong>10</strong> 2008-09 Fire Marine Misc. <strong>2009</strong>-<strong>10</strong> 2008-09Premiums earned (Net) 1263 13 6248 7524 (87) 75 2 13528 13605 1715 234 145 7986 8364 (278)Profit/ Loss on sale/redemption 11 1 39 50 0 0 0 1 1 78of InvestmentsOthers (8) (0) (30) (39) 9 0 317 317 57 2 0 18 20 135Interest, Dividend & Rent – Gross <strong>10</strong>5 6 485 596 146 4 0 <strong>10</strong>61 <strong>10</strong>66 320 53 <strong>10</strong> 516 579 146TOTAL (A) 1370 19 6742 8131 68 79 2 14907 14988 2093 288 156 8521 8964 82Claims Incurred (Net) 879 88 4782 5749 241 63 1 9535 9599 1200 906 178 7536 8619 289Commission 64 (19) 640 685 <strong>10</strong>0 (13) 0 (629) (642) 9 (368) (12) (660) (<strong>10</strong>40) (114)Operating Expenses related to 1875 170 6299 8344 2743 25 0 4078 4<strong>10</strong>3 1861 1422 273 13909 15604 5447Insurance BusinessCo-insurance administration feeSolatium Fund 8 8 0Premium Deficiency 428 428Others-Miscellaneous 5 1 2 8 3TOTAL (B) 2823 240 11731 14794 3087 75 2 12983 13060 3069 1959 439 21212 23611 5622Operating Profit/(Loss) C= (A - B) (1452) (221) (4989) (6663) (3019) 4 (0) 1923.99 1928 (977) (1671) (284) (12692) (14647) (5540)APPROPRIATIONSTransfer to Shareholders’ Account (1452) (221) (4989) (6663) (3019) 4 (0) 1924 1928 (977) (1671) (284) (12692) (14647) (5540)Transfer to Catastrophe ReserveTransfer to Other ReservesTOTAL (C ) (1452) (221) (4989) (6663) (3019) 4 (0) 1924 1928 (977) (1671) (284) (12692) (14647) (5540)Note : Figures in brackets indicate the negative values.164
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>PRIVATE SECTOR NON-LIFE INSURERS : POLICYHOLDERS ACCOUNTCont’d... STATEMENT 54(` Lakh)PARTICULARS RAHEJA QBE TOTALFire Marine Misc. <strong>2009</strong>-<strong>10</strong> <strong>2009</strong>-<strong>10</strong> 2008-09Premiums earned (Net) (74) (5) (252) (331) 904453 790741Profit/ Loss on sale/redemption of Investments 0 0 21561 15629Others 2 2 2640 1783Interest, Dividend & Rent – Gross 0 0 3 3 70734 60<strong>10</strong>7TOTAL (A) (73) (5) (247) (326) 999389 868260Claims Incurred (Net) 1 1 44 45 726249 607916Commission (1) 0 1 0 976 (9046)Operating Expenses related to Insurance Business 97 9 <strong>10</strong>88 1195 312961 301722Co-insurance administration fee 34 98Solatium FundPremium Deficiency (447) 16496Others-MiscellaneousTOTAL (B) 98 <strong>10</strong> 1132 1240 <strong>10</strong>40074 902185Operating Profit/(Loss) C= (A - B) (171) (15) (1380) (1566) (40686) (34098)APPROPRIATIONSTransfer to Shareholders’ Account (171) (15) (1380) (1566) (40686) (34098)Transfer to Catastrophe ReserveTransfer to Other ReservesTOTAL (C ) (171) (15) (1380) (1566) (40686) (34098)Note : Figures in brackets indicate the negative values.165
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>PRIVATE SECTOR NON-LIFE INSURERS : SHAREHOLDERS ACCOUNTSTATEMENT 55(` Lakh)PARTICULARS ROYAL BAJAJ TATA RELIANCE IFFCO ICICI CHOLAMANDALAMSUNDARAM ALLIANZ AIG TOKIO LOMBARD<strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09OPERATING PROFIT/(LOSS)(a) Fire Insurance 748 533 3964 2980 2184 2280 1898 18<strong>10</strong> (1211) 514 (142) (2301) 196 663(b) Marine Insurance 70 (181) (268) (<strong>10</strong>79) (703) (1878) (2) (1135) (1185) (884) 543 (5740) (208) 178(c ) Miscellaneous Insurance 267 (1288) 8578 7739 (2997) (1228) (14519) (<strong>10</strong>539) 4543 (914) 835 (735) (1557) (635)INCOME FROM INVESTMENTS(a) Interest, Dividend & Rent – Gross 1888 1708 5650 4923 2223 2179 3955 3960 1300 1899 8117 8141 <strong>10</strong>90 975(b) Profit on sale of investments 411 201 270 812 611 93 <strong>10</strong>58 9<strong>10</strong> 26 73 8589 6452 229 46Less: Loss on sale of investments (35) (406) (177) 13 (165) (36) (956) (1272) (0)Other Income 20 32 <strong>10</strong>2 453 40 85 135 51 437 42 24 1 535 18TOTAL (A) 3405 <strong>10</strong>04 18261 15423 1180 1542 (7640) (4978) 39<strong>10</strong> 730 17009 4546 285 1245Provisions (Other than taxation)(a) For diminution in the value of investments 4352 50 60(b) For doubtful debts 31 169 1 512 307(c) Others (1376)OTHER EXPENSES(a) Expenses other than those related 5 28 249 277 0 (5) (39) (39) 49 38 70 62 50to Insurance Business(b) Bad debts written off 86(c) Others - preliminary &pre-operative, amortisations 3 802 <strong>10</strong>4TOTAL (B) 5 31 280 446 2 593 (1415) (39) 49 38 1179 4518 <strong>10</strong>0 60Profit Before Tax 3401 973 17980 14977 1178 950 (9055) (5017) 3861 692 15831 27 185 1185Prior Period Adjustments Account (700)Provision for Taxation (304) (407) (5898) (5461) 191 (526) 4012 (215) (1323) (442) (1438) 2335 51 (486)Profit After Tax 3097 566 12083 9516 670 424 (5043) (5232) 2538 250 14393 2362 236 699APPROPRIATIONS(a) Interim dividends paid during the year 6452(b) Proposed final dividend 741 <strong>10</strong>97(c) Dividend distribution tax 126(d) Transfer to any Reserves or 1512 <strong>10</strong>79 561Deferred Tax of last year orReserve for Unexpired Risks(e) Catastrophe ReserveBalance of profit/ loss B/f from last year 1282 715 39562 30047 2409 3497 (16547) (11315) 5629 5379 11686 9324 539 401Balance C/f to Balance Sheet 4379 1282 51645 39562 3079 2409 (21589) (16547) 7300 5629 17450 11686 775 539Note :Figures in brackets indicate the negative values166
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>PRIVATE SECTOR NON-LIFE INSURERS : SHAREHOLDERS ACCOUNTCont’d... STATEMENT 55(` Lakh)PARTICULARS HDFC ERGO FUTURE GENERALI UNIVERSAL SOMPO SHRIRAM BHARTI AXA RAHEJA QBE TOTAL<strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> <strong>2009</strong>-<strong>10</strong> 2008-09OPERATING PROFIT/(LOSS)(a) Fire Insurance <strong>10</strong>67 691 (<strong>10</strong>60) (683) (1452) (1198) 4 (47) (1671) (497) (171) 4354 4746(b) Marine Insurance (143) (185) (458) (287) (221) (69) (0) (5) (284) (139) (15) (2874) (11404)(c ) Miscellaneous Insurance (11729) (3982) (8448) (8275) (4989) (1752) 1925 (925) (12692) (4904) (1380) (42164) (27440)INCOME FROM INVESTMENTS(a) Interest, Dividend & Rent – Gross 1284 843 958 858 1288 1651 516 511 204 165 992 29464 27812(b) Profit on sale of investments 133 113 117 48 130 125 88 <strong>10</strong> 117<strong>10</strong> 8836Less: Loss on sale of investments 26 13 (3) (13<strong>10</strong>) (1688)Other Income (54) (1) (25) (11) (<strong>10</strong>0) (42) 14 1 91 152 9 1228 782TOTAL (A) (9442) (2521) (8917) (8350) (5345) (1411) 2485 (452) (14226) (5135) (558) 407 1644Provisions (Other than taxation)(a) For diminution in the value of investments 50 4412(b) For doubtful debts 339 681(c) Others (1376)OTHER EXPENSES(a) Expenses other than those related 4 12 <strong>10</strong>9 0 0 11 5 562 21 432 <strong>10</strong>37to Insurance Business(b) Bad debts written off 86(c) Others - preliminary &pre-operative, amortisations 42 37 8 8 73 35 852 259TOTAL (B) 4 54 146 8 8 11 78 597 21 298 6476Profit Before Tax (9446) (2521) (8970) (8496) (5353) (1419) 2474 (529) (14226) (5732) (579) (2720) (49<strong>10</strong>)Prior Period Adjustments Account (700)Provision for Taxation 16 (53) (37) 146 (20) (887) 139 (4) (44) (5436) (5216)Profit After Tax (9430) (2575) (8970) (8533) (5207) (1439) 1587 (390) (14230) (5775) (579) (8856) (<strong>10</strong>126)APPROPRIATIONS(a) Interim dividends paid during the year 6452(b) Proposed final dividend 1838(c) Dividend distribution tax 126(d) Transfer to any Reserves or Deferred Tax <strong>10</strong>79 2073of last year or Reserve for Unexpired Risks(e) Catastrophe ReserveBalance of profit/ loss B/f from last year (7284) (47<strong>10</strong>) (<strong>10</strong>466) (1933) (1469) (30) (390) (7127) (1352) (920) 16905 30024Balance C/f to Balance Sheet (16715) (7284) (19436) (<strong>10</strong>466) (6676) (1469) 1197 (390) (21358) (7127) (1499) (1447) 17825Note : Figures in brackets indicate the negative values.167
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>PRIVATE SECTOR NON-LIFE INSURERS : BALANCE SHEET(AS ON 31 st MARCH)STATEMENT 56(` Lakh)PARTICULARS ROYAL SUNDARAM BAJAJ ALLIANZ TATA AIG RELIANCE IFFCO TOKIO ICICI LOMBARD CHOLAMANDALAM20<strong>10</strong> <strong>2009</strong> 20<strong>10</strong> <strong>2009</strong> 20<strong>10</strong> <strong>2009</strong> 20<strong>10</strong> <strong>2009</strong> 20<strong>10</strong> <strong>2009</strong> 20<strong>10</strong> <strong>2009</strong> 20<strong>10</strong> <strong>2009</strong>SOURCES OF FUNDSShare Capital 2<strong>10</strong>00 2<strong>10</strong>00 1<strong>10</strong>23 1<strong>10</strong>23 30000 30000 11522 11308 24700 24700 40363 40314 26696 14196Reserves & Surplus 4379 1282 68307 56224 4591 3921 89184 68398 22732 2<strong>10</strong>61 126949 119951 1336 1<strong>10</strong>0Share Application MoneyFair Value Change Account (63) (286) (51) 0 1<strong>10</strong>7 (448) (888) (6958) 11913 (7432) (99) (617)Borrowings 112 171Others 19 2Deferred Tax Liability 73TOTAL 25316 21996 79279 67247 35698 33473 99818 72748 47432 45761 179244 152834 28045 14924APPLICATION OF FUNDSInvestments 90639 77754 253146 219375 85597 71443 165666 136397 81482 70305 352315 303074 57215 36476Loans 3006 3006Fixed Assets 1662 1751 15336 12854 2933 2755 4751 6437 1516 1326 14334 15677 1403 2811Deferred Tax Asset <strong>10</strong>41 <strong>10</strong>43 3788 1521 988 748 4097 85 758 587 4529 5967 34CURRENT ASSETSCash and Bank Balances 4050 3824 29649 28490 6417 4666 8243 11424 47963 38544 28626 7305 1562 727Advances and Other Assets 27123 16083 71323 54463 32096 29149 74240 55949 54083 48764 268823 216398 14916 13650Sub-Total (A) 31174 19907 <strong>10</strong>0972 82953 38514 33815 82482 67373 <strong>10</strong>2046 87308 297449 223703 16479 14377CURRENT LIABILITIES 58<strong>10</strong>6 40812 180647 144953 62063 43142 1<strong>10</strong>251 88098 85507 68976 362789 279845 19890 17218Provisions 4<strong>10</strong>94 37646 113313 <strong>10</strong>4503 30270 32146 71523 69000 52864 44789 126594 115741 27196 21523Sub-Total (B) 99200 78458 293959 249456 92333 75287 181774 157098 138371 113765 489382 395586 47086 38740NET CURRENT ASSETS (C) = (A - B) (68026) (58552) (192987) (166503) (53820) (41473) (99291) (89725) (36324) (26457) (191933) (171883) (30607) (24363)Misc. Expenditure(to the extent not written off or adjusted)Profit & Loss Account (Debit Balance) 21589 16547TOTAL 25316 21996 79282 67247 35698 33473 99818 72748 47432 45761 179244 152834 28045 14924Note : Figures in brackets indicate the negative values.168
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>PRIVATE SECTOR NON-LIFE INSURERS : BALANCE SHEET(AS ON 31 st MARCH)Cont’d... STATEMENT 56(` Lakh)PARTICULARS HDFC ERGO FUTURE GENERALI UNIVERSAL SOMPO SHRIRAM BHARTI AXA RAHEJA QBE TOTAL20<strong>10</strong> <strong>2009</strong> 20<strong>10</strong> <strong>2009</strong> 20<strong>10</strong> <strong>2009</strong> 20<strong>10</strong> <strong>2009</strong> 20<strong>10</strong> <strong>2009</strong> 20<strong>10</strong> 20<strong>10</strong> <strong>2009</strong>SOURCES OF FUNDSShare Capital 41500 20000 28000 19025 15000 15000 <strong>10</strong>500 <strong>10</strong>500 20000 16258 20700 30<strong>10</strong>04 233324Reserves & Surplus 8580 8580 1197 5891 2742 333146 283260Share Application Money 1500 759 7500 9000 759Fair Value Change Account 4 1 3 23 (6) 17 11 3 11940 (15706)Borrowings 70 120 182 291Others 19 2Deferred Tax Liability 73TOTAL 41574 20121 29503 19807 23574 23580 11697 <strong>10</strong>500 33408 19011 20703 655291 502001APPLICATION OF FUNDSInvestments 62368 27291 25994 13514 25714 18264 25867 12977 26312 11600 18186 1270500 998470Loans 3006 3006Fixed Assets 2468 1697 2994 2187 2421 2157 2135 1344 3178 2825 354 55483 53820Deferred Tax Asset 155 8 529 353 15919 <strong>10</strong>312CURRENT ASSETSCash and Bank Balances 6709 5141 953 2148 1809 3368 2423 1231 2844 566 17 141264 <strong>10</strong>7433Advances and Other Assets 18209 8049 13087 7215 3431 1859 2796 2824 4283 1594 940 585351 455997Sub-Total (A) 24917 13190 14040 9363 5240 5227 5218 4055 7126 2160 957 726615 563430CURRENT LIABILITIES 35929 19226 19531 7861 7428 1641 8724 3972 12565 3085 233 963663 718829Provisions 28965 <strong>10</strong>114 13430 7862 9204 1904 13328 4646 12001 1616 59 539839 451491Sub-Total (B) 64894 29341 32961 15723 16632 3546 22052 8618 24566 4701 292 1503502 1170320NET CURRENT ASSETS (C) = (A - B) (39977) (16151) (18921) (6360) (11391) 1682 (16834) (4563) (17440) (2541) 665 (776888) (606890)Misc. Expenditure(to the extent not written off or adjusted)Profit & Loss Account (Debit Balance) 16715 7284 19436 <strong>10</strong>466 6676 1469 390 21358 7127 1499 87273 43283TOTAL 41574 20121 29503 19807 23574 23580 11697 <strong>10</strong>500 33408 19011 20703 655294 502001Note : Figures in brackets indicate the negative values.169
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>HEALTH INSURERS : POLICYHOLDERS ACCOUNTSTATEMENT 57STAR HEALTH APOLLO MUNICH MAX BUPAPARTICULARS <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong>Premiums earned (Net) 6<strong>10</strong>43 30145 6996 2164 0Profit/ Loss on sale/redemptionof Investments 142(` Lakh)OthersInterest, Dividend & Rent – Gross 717 442 300 96 0TOTAL (A) 61760 30730 7296 2260 0Claims Incurred (Net) 53173 25847 5974 2473 0Commission (1267) (1228) <strong>10</strong>56 359 0Operating Expenses related toInsurance Business 9311 6270 9830 7238 3856Others- Amortisations, Write offs & ProvisionsForeign TaxesTOTAL (B) 61217 30889 16860 <strong>10</strong>070 3857Operating Profit/(Loss) fromFire/Marine/MiscellaneousBusiness C= (A - B) 543 (159) (9564) (78<strong>10</strong>) (3856)APPROPRIATIONSTransfer to Shareholders’ Account 543 (159) (9564) (78<strong>10</strong>) (3856)Transfer to Catastrophe ReserveTransfer to Other ReservesTOTAL (C ) 543 (159) (9564) (78<strong>10</strong>) (3856)Note : Figures in brackets indicate the negative values170
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>HEALTH INSURERS : SHAREHOLDERS ACCOUNTSTATEMENT 58STAR HEALTH APOLLO MUNICH MAX BUPAPARTICULARS <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong>OPERATING PROFIT/(LOSS)(a) Fire Insurance(b) Marine Insurance(c) Miscellaneous Insurance 543 (159) (9564) (78<strong>10</strong>) (3855)543 (159) (9564) (78<strong>10</strong>) (3855)INCOME FROM INVESTMENTS(a) Interest, Dividend & Rent – Gross 498 540 539 469 57(b) Profit on sale of investments 174 13 94 125Less: Loss on sale of investments <strong>10</strong>4 80OTHER INCOME 2 1 13TOTAL (A) <strong>10</strong>41 555 (8907) (7166) (3660)PROVISIONS (Other than taxation)(a) For diminution in the value of investments(b) For doubtful debts(c) Others 2OTHER EXPENSES(a) Expenses other than those 63 16related to Insurance Business(b) Bad debts written off(c) Others 19 26TOTAL (B) 19 28 63 16Profit Before Tax <strong>10</strong>22 527 (8970) (7182) (3660)Provision for Taxation 496 404 0 36 0Profit after Tax 526 124 (8970) (7218) (3660)APPROPRIATIONS(a) Interim dividends paid during the year(b) Proposed final dividend(c) Dividend distribution tax(d) Transfer to any Reserves or Other Accounts 526 124Transfer to General ReserveBalance of Profit / Loss B/f from last year (258) (258) (<strong>10</strong>077) (2859) (636)Balance C/f to Balance Sheet (258) (258) (19047) (<strong>10</strong>077) (4296)Note : Figures in brackets indicate negative values(` Lakh)171
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>HEALTH INSURERS : BALANCE SHEET(AS ON 31 ST MARCH)STATEMENT 59STAR HEALTH APOLLO MUNICH MAX BUPASOURCES OF FUNDS 20<strong>10</strong> <strong>2009</strong> 20<strong>10</strong> <strong>2009</strong> 20<strong>10</strong>Share Capital 16433 <strong>10</strong>930 12930 <strong>10</strong>737 15<strong>10</strong>0(` Lakh)Share Application Money 13867 374 3491Reserves & Surplus 650 124 14696 5472Fair Value Change Account 2 (18) 7Deferred Tax Liability 329 232BorrowingsTOTAL 31279 11285 28001 19682 15<strong>10</strong>7APPLICATION OF FUNDSInvestments 17452 8<strong>10</strong>6 13431 8111 9260Loans 500Fixed Assets 3901 2122 2068 1966 1261Deferred Tax AssetsCURRENT ASSETSCash & Bank Balance 17035 2755 <strong>10</strong>99 2474 1150Advances and Other Assets 20733 11473 2545 1989 1137Sub-Total (A) 37768 14228 3643 4463 2288CURRENT LIABILITIES 12697 4470 5044 2348 1934Provisions 15805 9458 5144 2587 63Sub-Total (B) 28502 13928 <strong>10</strong>188 4935 1997Net Current Assets (C)= (A-B) 9266 300 (6544) (472) 291Misc. Expenditure(to the extent not written off or adjusted) 403Profit & Loss Account (Debit Balance) 258 258 19047 <strong>10</strong>077 4296TOTAL 31279 11285 28001 19682 15<strong>10</strong>7Note : Figures in brackets indicate negative values172
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>STATEMENT 60EXPORT CREDIT GUARANTEE CORPORATION OF INDIA LTD. (ECGC) :POLICYHOLDERS ACCOUNT(` Lakh)PARTICULARS <strong>2009</strong>-<strong>10</strong> 2008-09Premiums earned (Net) 57599 52527Profit/ Loss on sale/redemption of Investments 175 0Others 79 59Interest, Dividend & Rent – Gross 11753 15684TOTAL (A) 69607 68270Claims Incurred (Net) 67518 35523Commission (3157) (2476)Operating Expenses related to Insurance Business <strong>10</strong>360 9437Other - Premium Deficiency 4820Others - Amortisations, Write offs & ProvisionsForeign TaxesTOTAL (B) 79540 42484Operating Profit/(Loss) from Fire/Marine/Miscellaneous Business C= (A - B) (9934) 25786APPROPRIATIONSTransfer to Shareholders’ Account (9934) 25786Transfer to Catastrophe ReserveTransfer to Other ReservesTOTAL (C ) (9934) 25786Note : Figures in brackets indicate negative values173
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>EXPORT CREDIT GUARANTEE CORPORATION OF INDIA LTD. (ECGC) :SHAREHOLDERS ACCOUNTPARTICULARS <strong>2009</strong>-<strong>10</strong> 2008-09OPERATING PROFIT/(LOSS)(a) Fire Insurance(b) Marine Insurance(c) Miscellaneous Insurance (9934) 25786(9934) 25786INCOME FROM INVESTMENTS(a) Interest, Dividend & Rent – Gross 15895 18166(b) Profit on sale of investments 233 0Less: Loss on sale of investmentsOTHER INCOME 1233 381TOTAL (A) 7426 44333PROVISIONS (Other than taxation)(a) For diminution in the value of investments(b) For doubtful debts 712 301(c) OthersOTHER EXPENSES(a) Expenses other than those related to Insurance Business(b) Bad debts written off(c) Others 167 203TOTAL (B) 879 504Profit Before Tax 6548 43829Provision for Taxation 2756 15213Prior Period Adjustments (1581) 277Profit after Tax 5373 28339APPROPRIATIONS(a) Interim dividends paid during the year 11583(b) Proposed final dividend <strong>10</strong>75 8<strong>10</strong>0(c) Dividend distribution tax 183 1377(d) Transfer to any Reserves or other AccountsTransfer to General Reserve 4116 7279Balance of Profit / Loss B/f from last year 2 1Balance C/f to Balance Sheet 2 2Note : Figures in brackets indicate negative valuesSTATEMENT 61(` Lakh)174
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>STATEMENT 62EXPORT CREDIT GUARANTEE CORPORATION OF INDIA LTD. (ECGC) :BALANCE SHEET(AS ON 31 ST MARCH)(` Lakh)SOURCES OF FUND 20<strong>10</strong> <strong>2009</strong>Share Capital 90000 90000Reserves & Surplus <strong>10</strong>2738 98622Fair Value Change Account 3156Borrowings 27 3133Deferred Tax LiabilityTOTAL 195921 191755APPLICATION OF FUNDSInvestments 262046 <strong>10</strong>6198LoansFixed Assets 13507 13629CURRENT ASSETSCash & Bank Balance 79228 200179Advances and other Assets 44389 29997Sub-Total (A) 123617 230176CURRENT LIABILITIES 167054 121584Provisions 38257 39907Sub-Total (B) 205311 161491Net Current Assets (C)= (A-B) (81694) 68685Deferred Tax Assets 2063 219Misc. Expenditure (to the extentnot written off or adjusted) 3024Profit & Loss Account (Debit Balance)TOTAL 195921 191755175
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>AGRICULTURE INSURANCE COMPANY OF INDIA LTD. (AIC) :POLICYHOLDERS ACCOUNTPARTICULARS <strong>2009</strong>-<strong>10</strong> 2008-09Premiums earned (Net) <strong>10</strong>2382 74261Profit/ Loss on sale/redemption of Investments <strong>10</strong>7OthersInterest, Dividend & Rent – Gross 1<strong>10</strong>73 <strong>10</strong>555TOTAL (A) 113562 84816Claims Incurred (Net) 112390 52962Commission (4571) (894)Operating Expenses related to Insurance Business 2350 1588Others - Amortisations, Write offs & Provisions 207 269Foreign TaxesTOTAL (B) 1<strong>10</strong>375 53926Operating Profit/(Loss) from Fire/Marine/Miscellaneous Business C= (A - B) 3187 30891APPROPRIATIONSTransfer to Shareholders’ Account 3187 30891Transfer to Catastrophe ReserveTransfer to Other ReservesTOTAL (C ) 3187 30891Note : Figures in brackets indicate negative valuesSTATEMENT 63(` Lakh)176
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>AGRICULTURE INSURANCE COMPANY OF INDIA LTD. (AIC) :SHAREHOLDERS ACCOUNTPARTICULARS <strong>2009</strong>-<strong>10</strong> 2008-09STATEMENT 64(` Lakh)OPERATING PROFIT/(LOSS)(a) Fire Insurance(b) Marine Insurance(c) Miscellaneous Insurance 3187 308913187 30891INCOME FROM INVESTMENTS(a) Interest, Dividend & Rent – Gross 6786 4935(b) Profit on sale of investments 66Less: Loss on sale of investmentsOTHER INCOME 18 33TOTAL (A) <strong>10</strong>056 35859PROVISIONS (Other than taxation)(a) For diminution in the value of investments(b) For doubtful debts(c) Others 157 138OTHER EXPENSES(a) Expenses other than those related to Insurance Business(b) Bad debts written off(c) Others 127 126TOTAL (B) 284 264Profit Before Tax 9773 35594Provision for Taxation 3322 12333Profit after Tax 6451 23261APPROPRIATIONS(a) Interim dividends paid during the year(b) Proposed final dividend 2000(c) Dividend distribution tax 340(d) Transfer to any Reserves or Other AccountsTransfer to General Reserve 20921Balance of Profit / Loss B/f from last yearBalance C/f to Balance SheetNote : Figures in brackets indicate negative values177
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>STATEMENT 65AGRICULTURE INSURANCE COMPANY OF INDIA LTD. (AIC) :BALANCE SHEET(AS ON 31 st MARCH)20<strong>10</strong> <strong>2009</strong>(` Lakh)SOURCES OF FUNDSShare Capital 20000 20000Reserves & Surplus 39688 53237Fair Value Change Account 593 18BorrowingsTOTAL 60282 73255APPLICATION OF FUNDSInvestments 144184 92334Loans 129 139Fixed Assets 2509 462Deferred Tax Assets 392 392CURRENT ASSETSCash & Bank Balance 93322 <strong>10</strong>4786Advances and Other Assets 14065 18268Sub-Total (A) <strong>10</strong>7387 123055CURRENT LIABILITIES 129524 <strong>10</strong>0339Provisions 64796 42788Sub-Total (B) 194319 143127Net Current Assets (C)= (A-B) (86932) (20072)Misc. Expenditure (to the extent not written off or adjusted)Profit & Loss Account (Debit Balance)TOTAL 60282 73255Note : Figures in brackets indicate negative values178
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>GENERAL INSURANCE CORPORATION : POLICYHOLDERS ACCOUNTSTATEMENT 66(` Lakh)<strong>2009</strong>-<strong>10</strong> 2008-09PARTICULARS Fire Marine Misc. Life Total Fire Marine Misc. Life TotalPremiums earned (Net) 236<strong>10</strong>9 71957 498290 1288 807643 191250 66583 521330 1454 780617Profit/ Loss on sale/redemptionof Investments 13272 6553 28921 46 48792 7442 3551 20763 29 31786Others (728) 702 (37) (20) (82) 990 (266) 160 (89) 794Interest, Dividend & Rent – Gross 21973 <strong>10</strong>848 47881 76 80778 19222 9173 53626 76 82096TOTAL (A) 270626 90060 575055 1390 937131 218904 79041 595880 1469 895294Claims Incurred (Net) 163638 46495 474823 683 685639 166853 68871 385596 393 621714Commission 71698 16769 <strong>10</strong>4345 212 193025 54091 16737 <strong>10</strong>3955 135 174918Operating Expenses related toInsurance Business 2519 485 4132 <strong>10</strong> 7146 1832 5<strong>10</strong> 3961 9 6312TOTAL (B) 237856 63748 583301 905 885809 222776 86118 493512 537 802943Operating Profit/(Loss)C = (A - B) 32771 26312 (8246) 485 51322 (3872) (7078) <strong>10</strong>2368 932 92351APPROPRIATIONSTransfer to Shareholders’ Account 32771 26312 (8246) 485 51322 (3872) (7078) <strong>10</strong>2368 932 92351Transfer to Catastrophe ReserveTransfer to Other ReservesTOTAL (C) 32771 26312 (8246) 485 51322 (3872) (7078) <strong>10</strong>2368 932 92351Note : Figures in brackets indicate negative values179
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>STATEMENT 67GENERAL INSURANCE CORPORATION : SHAREHOLDERS ACCOUNTPARTICULARS <strong>2009</strong>-<strong>10</strong> 2008-09(` Lakh)OPERATING PROFIT/(LOSS)(a) Fire Insurance 32771 (3872)(b) Marine Insurance 26312 (7078)(c) Miscellaneous Insurance (8246) <strong>10</strong>2368(d) Life Insurance 485 93251322 92351INCOME FROM INVESTMENTS(a) Interest, Dividend & Rent – Gross 51201 46865(b) Profit on sale of investments 30927 18145Less: Loss on sale of investmentsOTHER INCOME 22007 27703TOTAL (A) 155457 185065PROVISIONS (Other than taxation)(a) For diminution in the value of investments 1303 977(b) For doubtful debts (1438) (131)(c) Others 2544 2969OTHER EXPENSES(a) Expenses other than those related 145 112Insurance business(b) Loss on Exchange 23835 0(c) Bad debts written off 0 0(d) Others 0 (22)(e) Interest on Service Tax 47 0TOTAL (B) 26437 3906Profit before Tax 129020 181159Provision for Taxation (48440) 40439Profit after Tax 177461 140720APPROPRIATIONS(a) Interim dividends paid during the year(b) Proposed final dividend 35260 27950(c) Dividend distribution tax 5856 4750(d) Transfer to any Reserves or other Accounts(e) Transfer to General Reserve 136339 <strong>10</strong>8020(f) Balance of Profit / Loss B/f from last year 1 1(g) Balance c/f to Balance Sheet 6 1Note : Figures in brackets indicate negative values180
SOURCES OF FUNDSANNUAL REPORT <strong>2009</strong>-<strong>10</strong>GENERAL INSURANCE CORPORATION : BALANCE SHEET(AS ON 31 ST MARCH)20<strong>10</strong> <strong>2009</strong>Share Capital 43000 43000Reserves & Surplus 859657 735334Fair Value Change Account 1702846 607474BorrowingsDeferred Tax Liability 0 191STATEMENT 68(` Lakh)TOTAL 2605503 1385999APPLICATION OF FUNDSInvestments 3357393 2099471Loans 69515 71932Fixed Assets 4465 4361Deferred Tax Asset 7535 0CURRENT ASSETSCash & Bank Balance 277311 313270Advances and Other Assets 667994 512929Sub-Total (A) 945305 826199CURRENT LIABILITIES 1229704 1144044Provisions 549005 471921Sub-Total (B) 17787<strong>10</strong> 1615964Net Current Assets (C)= (A-B) (833404) (789765)Misc. Expenditure(to the extent not written off or adjusted)Profit & Loss Account (Debit Balance)TOTAL 2605503 1385999Note : Figures in brackets indicate negative values181
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>STATE-WISE NUMBER OF OFFICES OF NON-LIFE INSURERS (AS ON 31 st MARCH, 20<strong>10</strong>)STATEMENT 69States/ National New United Oriental Royal TATA Reliance IFFCO ICICI Bajaj HDFC Cholam- StarUnion Territories India Sundaram AIG Tokio Lombard Allianz Ergo andalam HealthAndhra Pradesh 91 77 145 68 9 2 16 3 31 22 6 5 29Arunachal Pradesh 1 1 1Assam 34 23 49 26 1 1 2 3 3 1 1 1Bihar 39 20 31 36 1 4 5 1 1 1Chhattisgarh 13 11 14 14 1 1 2 1 7 4 1 1 2Goa 8 5 8 4 1 1 1 1 2 4 1 1Gujarat 55 64 79 67 <strong>10</strong> 4 21 7 26 27 5 9 2Haryana 42 29 46 33 1 1 7 3 16 5 2 3 4Himachal Pradesh 17 8 13 15 1 2 2 1Jammu & Kashmir 14 11 13 14 1 2 2 1 1Jharkhand 23 22 18 16 1 2 4 4 4 2 2 1Karnataka 59 66 99 73 7 2 15 4 23 16 4 6 20Kerala 51 58 97 56 7 1 13 1 16 9 8 7 15Madhya Pradesh 52 39 53 43 3 1 13 3 19 6 3 3 <strong>10</strong>Maharashtra 124 151 140 <strong>10</strong>3 8 12 33 16 43 32 11 18 23Manipur 1 1 1 1Meghalaya 2 3 5 3 1 1Mizoram 1 1 1 1Nagaland 1 2 1 2Orissa 37 35 30 30 2 1 3 1 17 6 2 2 4Punjab 88 52 83 61 2 8 1 19 13 4 4 3Rajasthan 73 34 90 57 1 1 9 1 17 7 5 2 6Sikkim 1 1 1 1 1Tamil Nadu 94 95 186 71 17 4 15 3 22 25 6 27 57Tripura 4 1 4 3 1Uttar Pradesh <strong>10</strong>5 99 81 95 3 3 20 3 36 <strong>10</strong> 5 6 6Uttarakhand 9 16 34 13 1 7 1 1 1West Bengal <strong>10</strong>3 50 48 38 4 3 11 3 20 14 2 3 13Andaman & Nicobar 1 1 1Chandigarh 11 12 9 7 1 1 1 2 1 2Dadra & Nagar Haveli 1 0 0Daman & Diu 0 0 2Delhi 63 45 51 46 2 3 15 8 8 13 6 3 11Lakshadweep 1 0Puducherry 4 4 5 1 1 1 1 1 1 2Total 1220 <strong>10</strong>39 1437 <strong>10</strong>00 80 47 212 60 350 232 78 <strong>10</strong>6 215182
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>STATE-WISE NUMBER OF OFFICES OF NON-LIFE INSURERS (AS ON 31 st MARCH, 20<strong>10</strong>)Contd.. STATEMENT 69Name of State/ Future Apollo Universal Bharti Shriram Raheja AIC ECGC TotalUnion Territory Generali Munich Sompo Axa QBEAndhra Pradesh 4 1 3 4 6 0 1 3 526Arunachal Pradesh 3Assam 1 1 1 1 149Bihar 2 1 1 143Chhattisgarh 1 1 1 1 76Goa 1 1 39Gujarat 6 1 3 3 3 4 396Haryana 5 2 1 5 2 207Himachal Pradesh 1 60Jammu & Kashmir 1 1 61Jharkhand 2 1 1 <strong>10</strong>3Karnataka 4 2 2 5 1 0 1 4 413Kerala 6 2 1 1 1 0 1 1 352Madhya Pradesh 4 2 2 2 0 1 1 260Maharashtra 15 6 8 8 5 1 1 11 769Manipur 4Meghalaya 15Mizoram 4Nagaland 6Orissa 2 1 2 1 1 1 178Punjab 4 1 1 3 3 1 2 353Rajasthan 6 1 2 3 7 1 2 325Sikkim 5Tamil Nadu 7 3 3 4 6 0 1 <strong>10</strong> 656Tripura 13Uttar Pradesh 11 2 2 3 8 1 5 504Uttarakhand 2 1 1 1 88West Bengal 4 1 2 2 1 1 3 326Andaman & Nicobar 0 3Chandigarh 1 1 1 1 1 1 1 54Dadra & Nagar Haveli 1Daman & Diu 2NCT of Delhi 3 6 3 4 5 1 5 301Lakshadweep 0 1Puducherry 0 21Total 91 30 39 50 55 1 18 57 6417183
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>STATEMENT 70THIRD PARTY ADMINISTRATORSNUMBER OF CLAIMS RECEIVED AND DURATION WISE SETTLEMENT OF CLAIMS DURING <strong>2009</strong>-<strong>10</strong>SL. Name of TPA No of Claims SettledNo. Claims Within 1 Within 1 - 3 Within 3- 6 More thanReceived months months months 6 months1 Park Mediclaim TPA Pvt. Ltd. 9257 8164 201 53 6(88.19) (2.17) (0.64) (0.07)2 Vipul Med Corp TPA Pvt. Ltd. 248790 191293 11484 906 152(76.89) (4.62) (0.36) (0.08)3 Alankit Health Care TPA Ltd. 85987 28099 35661 11241 3143(32.68) (41.47) (13.07) (3.66)4 I Care Health Management 5479 3099 744 14 0& TPA Services Pvt. Ltd. (56.56) (13.58) (0.26) (0.00)5 Dedicated Healthcare 157<strong>10</strong>9 93376 59626 6880 1679Services TPA (India) Pvt Ltd. (59.43) (37.95) (4.38) (1.07)6 Medicare TPA Services (I) Pvt. Ltd. 74307 49085 8137 208 111(66.06) (<strong>10</strong>.95) (0.28) (0.15)7 MD India Healthcare (TPA) 405852 373118 19692 1538 0Services (Pvt.) Ltd. (91.93) (4.85) (0.38) (0.00)8 Heritage Health TPA Pvt. Ltd. 75440 30427 36248 9355 1769(40.33) (48.05) (12.40) (2.34)9 Genins India TPA Ltd. 78476 52605 23332 7162 2190(67.03) (29.73) (9.12) (2.79)<strong>10</strong> Rothshield Healthcare TPA Services Ltd. 529 363 117 24 5(68.62) (22.12) (4.54) (0.95)11 E Meditek TPA Services Ltd. 319807 255866 31984 7803 0(80.00) (<strong>10</strong>.00) (2.43) (0.00)12 Parekh Health Management (Pvt.) Ltd. 81989 47357 22366 1184 183(57.76) (27.28) (1.44) (0.22)13 Safeway TPA Services Pvt. Ltd. 13856 9679 2667 935 0(69.85) (19.25) (6.75) (0.00)Note: Figures in brackets indicate the ratio (in percent) of claims settled to the total claims receivedLicence of Universal Mediaid Services Ltd has been cancelled.The TPA has obtained a stay on the operation of the<strong>IRDA</strong> order. <strong>IRDA</strong> is contesting the case.Nil: No Claim received or settled.184
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>Cont’d... STATEMENT 70THIRD PARTY ADMINISTRATORSNUMBER OF CLAIMS RECEIVED AND DURATION WISE SETTLEMENT OF CLAIMS DURING <strong>2009</strong>-<strong>10</strong>SL. Name of TPA No of Claims SettledNo. Claims Within 1 Within 1 - 3 Within 3- 6 More thanReceived month months months 6 months14 Med Save Health Care TPA Ltd. 118426 70909 36857 6422 1613(59.88) (31.12) (5.42) (1.36)15 Good Healthplan Ltd. 36709 <strong>10</strong>912 16518 5787 1302(29.72) (45.00) (15.77) (3.55)16 Health India TPA Services Pvt. Ltd. 234058 118807 72889 24667 5231(50.76) (31.14) (<strong>10</strong>.54) (2.23)17 Medi Assist India TPA Pvt. Ltd. 376000 308818 18019 865 276(82.13) (4.80) (0.23) (0.07)18 Anmol Medicare TPA Ltd. 13036 8926 3390 415 0(68.47) (26.00) (3.18) (0.00)19 Raksha TPA Pvt. Ltd. 394606 325415 35412 0 0(82.47) (8.97) (0.00) (0.00)20 Family Health Plan (TPA) Ltd. 130<strong>10</strong>4 52525 36166 1<strong>10</strong>55 3807(40.37) (27.80) (8.50) (2.93)21 TTK Healthcare TPA Pvt. Ltd. 305017 162303 94294 21343 6857(53.21) (30.91) (7.00) (2.25)22 Paramount Health Services (TPA) Pvt. Ltd 148527 117013 12546 1248 749(78.78) (8.45) (0.84) (0.50)23 East West Assist TPA Pvt. Ltd. 511<strong>10</strong> 29879 18454 1742 265(58.46) (36.11) (3.41) (0.52)24 Focus Healthcare Pvt. Ltd. 1469 <strong>10</strong>9 604 638 24(7.42) (41.12) (43.43) (1.63)25 Anyuta Medinet Healthcare TPA Pvt. Ltd. 76 76 Nil Nil Nil26 Sri Gokulam Health Services TPA (P) Ltd. Nil Nil Nil Nil Nil27 Grand Healthcare TPA Services Pvt Ltd Nil Nil Nil Nil NilTOTAL 3365940 2348147 597408 121485 29362(69.76) (17.75) (3.61) (0.87)Note: Figures in brackets indicate the ratio (in percent) of claims settled to the total claims receivedLicence of Universal Mediaid Services Ltd has been cancelled.The TPA has obtained the stay on the operation of the<strong>IRDA</strong> order. <strong>IRDA</strong> is contesting the case.Nil: No Claim received or settled.185
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>STATUS OF GRIEVANCES - LIFE INSURERS FOR <strong>2009</strong>-<strong>10</strong>STATEMENT 71<strong>2009</strong>-<strong>10</strong> Duration wise analysis of pending complaintsSL. Insurer Opening Reported Resolved % Resolved Pending atNo Balance during during during the end
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>STATUS OF GRIEVANCES-LIFE INSURERS(APRIL - JUNE 20<strong>10</strong>)STATEMENT 72SL. Insurer Pending Reported during Resolved during PendingNo as on 31 April-June 20<strong>10</strong> April-June 20<strong>10</strong> as on 30thMarch, 20<strong>10</strong> June, 20<strong>10</strong>1 Aegon Religare 0 2 0 22 Aviva 23 68 9 823 Bajaj Allianz 16 76 26 664 Bharti AXA 17 12 1 285 Birla Sun Life 21 41 19 436 Canara HSBC 0 2 0 27 DLF Pramerica 0 3 0 38 Future Generali 2 11 0 139 HDFC Standard 39 47 15 71<strong>10</strong> ICICI Prudential 48 123 41 13011 IDBI Federal 2 1 0 312 ING Vysya <strong>10</strong> 15 0 2513 Kotak Mahindra 29 65 28 6614 LIC 150 246 141 25515 Max New York 0 53 3 5016 MetLife 5 23 0 2817 Reliance 15 46 3 5818 Sahara 1 5 0 619 SBI Life 5 32 6 3120 Shriram 0 6 0 621 Star Union Dai-ichi 0 4 0 422 TATA AIG 12 27 1 38Total 395 908 293 <strong>10</strong><strong>10</strong>187
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>STATUS OF GRIEVANCES - NON LIFE INSURERS FOR <strong>2009</strong>-<strong>10</strong>STATEMENT 73(I) (II) (III) (IV)) (V)=(III) + (IV) (VI) (VII) BREAK UP OF (VII)SL. Insurer Pending as Reported Total No. of Resolved Pending (i) (ii) (iii) (iv)No on 31 st during Complaints during as on 31 stMarch, <strong>2009</strong> <strong>2009</strong>-<strong>10</strong> <strong>2009</strong>-<strong>10</strong> March, 20<strong>10</strong>1 National 136 269 405 260 145 34 75 28 82 New India 220 338 558 381 177 64 70 34 93 Oriental 44 170 214 133 81 25 41 13 24 United India 42 277 319 298 21 2 11 6 25 ECGC 1 3 4 2 2 1 1 0 06 AIC 0 4 4 3 1 0 0 0 1PUBLIC TOTAL 443 <strong>10</strong>61 1504 <strong>10</strong>77 427 126 198 81 221 Apollo Munich 0 8 8 7 1 1 0 0 02 Bajaj Allianz 38 <strong>10</strong>5 143 119 24 12 7 5 03 Bharti AXA 0 1 1 1 0 0 0 0 04 Cholamandalam 5 34 39 32 7 3 1 3 05 Future Generali 3 9 12 12 0 0 0 0 06 HDFC Ergo 1 15 16 15 1 1 0 0 07 ICICI Lombard 25 315 340 324 16 9 5 1 18 IFFCO Tokio 16 75 91 69 22 7 8 6 19 Reliance 74 286 360 325 35 12 20 2 1<strong>10</strong> Royal Sundaram 20 55 75 56 19 11 3 5 011 Shriram 0 2 2 2 0 0 0 0 012 Star Health 2 23 25 25 0 0 0 0 013 TATA AIG 26 84 1<strong>10</strong> <strong>10</strong>8 2 2 0 0 014 Universal Sompo 0 3 3 1 2 1 1 0 0PRIVATE TOTAL 2<strong>10</strong> <strong>10</strong>15 1225 <strong>10</strong>96 129 59 45 22 3GRAND TOTAL 653 2076 2729 2173 556 185 243 <strong>10</strong>3 25(i) Policy related issues(ii) Non settlement/Delay in settlement of claim(iii) Repudiation/Partial settlement of claim(iv) Other reasons188
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>STATUS OF GRIEVANCES - NON-LIFE INSURERS (APRIL - JUNE 20<strong>10</strong>)STATEMENT 74(I) (II) (III) (IV)) (V)=(III) + (IV) (VI) (VII) BREAK UP OF (VII)SL. Insurer Pending as Reported Total No. of Resolved Pending (i) (ii) (iii) (iv)No on 31 st during Complaints during as onMarch, 20<strong>10</strong> (April- (April- 30 th June,June, 20<strong>10</strong>) June, 20<strong>10</strong>) 20<strong>10</strong>1 Oriental 81 82 163 18 145 47 81 17 02 New India 177 1<strong>10</strong> 287 55 232 69 131 32 03 United India 21 76 97 16 81 7 53 21 04 National 145 <strong>10</strong>4 249 37 212 42 131 39 05 ECGC 2 1 3 1 2 1 1 0 06 AIC 1 0 1 0 1 0 1 0 0Public - Total 427 373 800 127 673 166 398 <strong>10</strong>9 01 Bajaj Allianz 24 24 48 13 35 9 14 12 02 TATA AIG 2 17 19 7 12 4 3 5 03 Royal Sundaram 19 9 28 <strong>10</strong> 18 5 7 6 04 IFFCO Tokio 22 28 50 14 36 14 13 9 05 Reliance 35 122 157 61 96 53 27 16 06 Cholamandalam 7 14 21 9 12 3 7 2 07 ICICI Lombard 16 72 88 38 50 21 16 13 08 HDFC Ergo 1 9 <strong>10</strong> 5 5 0 3 2 09 Star Health 0 5 5 2 3 1 2 0 0<strong>10</strong> Apollo Munich 1 2 3 0 3 3 0 0 011 Future Generali 0 1 1 0 1 0 1 0 012 Universal Sompo 2 6 8 1 7 2 4 1 013 Shriram 0 1 1 1 0 0 0 0 014 Bharti AXA 0 1 1 0 1 0 0 1 015 Raheja QBE 0 0 0 0 0 0 0 0 0Private - Total 129 311 440 161 279 115 97 67 0TOTAL 556 684 1240 288 952 281 495 176 0(i) Policy related issues(ii) Non settlement/Delay in settlement of claim(iii) Repudiation/Partial settlement of claim(iv) Other reasons189
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>PERFORMANCE OF OMBUDSMEN AT DIFFERENT CENTRES (LIFE INSURANCE)STATEMENT 75Name of Total No. of No.of complaints Duration-wise disposal Duration-wise Outstandingthe Centre Complaints disposed by way ofO/s as on Received Total (I) (II) (III) (IV) Total A B C Total A B C Total31 st March during<strong>2009</strong> <strong>2009</strong>-<strong>10</strong>Ahmedabad 8 301 309 20 16 43 223 302 301 1 0 302 7 0 0 7Bhopal 66 379 445 64 20 32 291 407 382 25 0 407 38 0 0 38Bhubaneshwar 99 220 319 190 12 28 56 286 115 165 6 286 32 1 0 33Chandigarh 120 931 <strong>10</strong>51 267 289 118 93 767 694 72 1 767 217 67 0 284Chennai 16 941 957 42 21 36 856 955 944 11 0 955 1 1 0 2Delhi 99 1471 1570 136 17 18 1155 1326 1154 172 0 1326 130 114 0 244Guwahati 17 308 325 135 2 2 178 317 304 13 0 317 8 0 0 8Hyderabad 20 815 835 23 5 32 762 822 822 0 0 822 13 0 0 13Kochi 35 370 405 37 28 80 224 369 353 16 0 369 36 0 0 36Kolkata 55 1111 1166 99 45 82 745 971 790 155 26 971 <strong>10</strong>3 92 0 195Lucknow 0 <strong>10</strong>04 <strong>10</strong>04 1<strong>10</strong> 26 <strong>10</strong>1 767 <strong>10</strong>04 958 46 0 <strong>10</strong>04 0 0 0 0Mumbai 22 1116 1138 86 0 0 <strong>10</strong>24 11<strong>10</strong> <strong>10</strong>69 41 0 11<strong>10</strong> 17 11 0 28Total 557 8967 9524 1209 481 572 6374 8636 7886 717 33 8636 602 286 0 888Notes:O/S : Outstanding (A) Within 3 months(I) Recommendations / Awards (III) Dismissal (B) 3 months to 1 Year(II) Withdrawal / Settlement (IV) Non-acceptance / Not-entertainable (C) Above 1 Year190
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>PERFORMANCE OF OMBUDSMEN AT DIFFERENT CENTRES (NON-LIFE INSURANCE)STATEMENT 76Name of Total No. of No.of complaints Duration-wise disposal Duration-wise Outstandingthe Centre Complaints disposed by way ofO/s as on Received Total (I) (II) (III) (IV) Total A B C Total A B C Total31 st March during<strong>2009</strong> <strong>2009</strong>-<strong>10</strong>Ahmedabad 29 832 861 277 36 149 355 817 814 3 0 817 44 0 0 44Bhopal 22 136 158 34 28 30 27 119 <strong>10</strong>9 <strong>10</strong> 0 119 28 11 0 39Bhubaneshwar 63 <strong>10</strong>9 172 79 3 49 15 146 56 89 1 146 26 0 0 26Chandigarh 176 987 1163 436 136 186 56 814 744 70 0 814 257 92 0 349Chennai 17 719 736 76 30 57 556 719 632 87 0 719 16 1 0 17Delhi 138 <strong>10</strong>50 1188 122 6 47 718 893 705 188 0 893 126 169 0 295Guwahati 38 241 279 209 0 3 47 259 242 17 0 259 19 1 0 20Hyderabad 15 423 438 <strong>10</strong>9 45 27 220 401 401 0 0 401 37 0 0 37Kochi 43 469 512 72 22 113 244 451 426 25 0 451 61 0 0 61Kolkata 130 683 813 86 42 39 431 598 436 <strong>10</strong>5 57 598 66 149 0 215Lucknow 0 225 225 47 122 0 56 225 225 0 0 225 0 0 0 0Mumbai 167 1223 1390 400 0 0 712 1112 770 342 0 1112 205 73 0 278Total 838 7097 7935 1947 470 700 3437 6554 5560 936 58 6554 885 496 0 1381Notes:O/S : Outstanding (A) Within 3 months(I) Recommendations / Awards (III) Dismissal (B) 3 months to 1 Year(II) Withdrawal / Settlement (IV) Non-acceptance / Not-entertainable (C) Above 1 Year191
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>PERFORMANCE OF OMBUDSMEN AT DIFFERENT CENTRES (LIFE & NON-LIFE COMBINED)STATEMENT 77Name of Total No. of No.of complaints Duration-wise disposal Duration-wise Outstandingthe Centre Complaints disposed by way ofO/s as on Received Total (I) (II) (III) (IV) Total A B C Total A B C Total31 st March during<strong>2009</strong> <strong>2009</strong>-<strong>10</strong>Ahmedabad 37 1133 1170 297 52 192 578 1119 1115 4 0 1119 51 0 0 51Bhopal 88 515 603 98 48 62 318 526 491 35 0 526 66 11 0 77Bhubaneshwar 162 329 491 269 15 77 71 432 171 254 7 432 58 1 0 59Chandigarh 296 1918 2214 703 425 304 149 1581 1438 142 1 1581 474 159 0 633Chennai 33 1660 1693 118 51 93 1412 1674 1576 98 0 1674 17 2 0 19Delhi 237 2521 2758 258 23 65 1873 2219 1859 360 0 2219 256 283 0 539Guwahati 55 549 604 344 2 5 225 576 546 30 0 576 27 1 0 28Hyderabad 35 1238 1273 132 50 59 982 1223 1223 0 0 1223 50 0 0 50Kochi 78 839 917 <strong>10</strong>9 50 193 468 820 779 41 0 820 97 0 0 97Kolkata 185 1794 1979 185 87 121 1176 1569 1226 260 83 1569 169 241 0 4<strong>10</strong>Lucknow 0 1229 1229 157 148 <strong>10</strong>1 823 1229 1183 46 0 1229 0 0 0 0Mumbai 189 2339 2528 486 0 0 1736 2222 1839 383 0 2222 222 84 0 306TOTAL 1395 16064 17459 3156 951 1272 9811 15190 13446 1653 91 15190 1487 782 0 2269Notes:O/S : Outstanding (A) Within 3 months(I) Recommendations / Awards (III) Dismissal (B) 3 months to 1 Year(II) Withdrawal / Settlement (IV) Non-acceptance / Not-entertainable (C) Above 1 Year192
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>ANNEX193
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>194
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>ANNEX 1INSURANCE COMPANIES OPERATING IN INDIALIFE INSURERS*Public SectorPrivate Sector1 Life Insurance Corporation of India 1 Aegon Religare Life Insurance Co. Ltd.2 Aviva Life Insurance Co. Ltd.3 Bajaj Allianz Life Insurance Co. Ltd.4 Bharti AXA Life Insurance Co. Ltd.5 Birla Sun Life Insurance Co. Ltd.6 Canara HSBC OBC Life Insurance Co. Ltd.7 DLF Pramerica Life Insurance Co. Ltd.8 Future Generali Life Insurance Co. Ltd.9 HDFC Standard Life Insurance Co. Ltd.<strong>10</strong> ICICI Prudential Life Insurance Co. Ltd.11 IDBI Federal Life Insurance Co. Ltd.12 ING Vysya Life Insurance Co. Ltd.13 IndiaFirst Life Insurance Co. Ltd.14 Kotak Mahindra Old Mutual Life Insurance Co. Ltd.15 Max New York Life Insurance Co. Ltd.16 MetLife India Insurance Co. Ltd.17 Reliance Life Insurance Co. Ltd.18 Sahara India Life Insurance Co. Ltd.19 SBI Life Insurance Co. Ltd.20 Shriram Life Insurance Co. Ltd.21 Star Union Dai-ichi Life Insurance Co. Ltd.22 TATA AIG Life Insurance Co. Ltd.*As on 31 st August, 20<strong>10</strong>195
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>Cont’d... ANNEX IINSURANCE COMPANIES OPERATING IN INDIANON-LIFE INSURERS*Public SectorPrivate Sector1 New India Assurance Co. Ltd. 1 Bajaj Allianz General Insurance Co. Ltd.2 National Insurance Co. Ltd. 2 Bharti AXA General Insurance Co. Ltd.3 The Oriental Insurance Co. Ltd. 3 Cholamandalam MS General Insurance Co. Ltd4 United India Insurance Co. Ltd. 4 Future Generali India Insurance Co. Ltd5 HDFC Ergo General Insurance Co. Ltd.Specialised Insurers 6 ICICI Lombard General Insurance Co. Ltd5 Export Credit Guarantee Corporation Ltd. 7 IFFCO Tokio General Insurance Co. Ltd.6 Agriculture Insurance Company of India Ltd. 8 L & T General Insurance Co. Ltd.9 Raheja QBE General Insurance Co. Ltd.<strong>10</strong> Reliance General Insurance Co. Ltd.11 Royal Sundaram Alliance Insurance Co. Ltd.12 SBI General Insurance Co. Ltd13 Shriram General Insurance Co. Ltd.14 TATA AIG General Insurance Co. Ltd.15 Universal Sompo General Insurance Co. Ltd.Standalone Health Insurers16 Apollo Munich Health Insurance Co. Ltd.17 Max Bupa Health Insurance Co. Ltd.18 Star Health and Allied Insurance Co. Ltd.* As on 31 st August, 20<strong>10</strong>.RE – INSURERGeneral Insurance Corporation of India196
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>FEE STRUCTURE FOR INSURERS AND VARIOUS INTERMEDIARIESANNEX 2Sl. No Insurer/ Intermediary Processing Registration Renewal Fee PeriodicityFee Fee at Renewal1 Insurer (Life / Non Life / - ` 50,000 1/<strong>10</strong> th of 1% of Gross Direct Premium Every year (byReinsurer) written in India subject to a 31 st December)minimum of ` 50,000 and Maximumof ` 5 crore2 Third Party Administrator `20,000 `30,000 `30,000 3 years3 Broker - Direct - `20,000 `<strong>10</strong>00 as the renewal fee + 3 yearsan <strong>annual</strong> fee of 0.50% ofremuneration earned in thepreceding financial year subjectto a minimum of `25,000 andMaximum of `1,00,000.Broker - Reinsurance - `25,000 `1,000 as renewal fee + 3 years<strong>annual</strong> fee of 0.50% of remunerationearned in the preceding financial yearsubject to a minimum of `75,000and maximum of `3,00,000Broker - Composite - `40,000 `1,000 as the renewal fee + Annual 3 yearsfee of 0.50% of remuneration earnedin the preceding financial yearsubject to minimum of `1,25,000and Maximum of `5,00,000.4 Surveyors and Loss AssessorsIndividual-CategoryA - `<strong>10</strong>,000 `200 for every category 5 YearsB - ` 7,500C - ` 5,000Corporate-CategoryA - `25,000 `200 for every category 5 YearsB - `20,000C - `15,0005 Corporate Agents - `250 for `250 3 YearsCorporateInsuranceLicence and`500 for theCertificateto theSpecifiedPerson197
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>INDIAN ASSURED LIVES MORTALITY (1994-96) (modified) ULTIMATEANNEX 3 (i)Age Mortality rate Age Mortality rate0 0.001630 50 0.0052441 0.000960 51 0.0058192 0.000670 52 0.0064433 0.000620 53 0.0071164 0.000470 54 0.0078395 0.000420 55 0.0086116 0.000380 56 0.0094337 0.000400 57 0.0<strong>10</strong>2948 0.000400 58 0.01<strong>10</strong>259 0.000400 59 0.011951<strong>10</strong> 0.000380 60 0.01307311 0.000450 61 0.01439112 0.000530 62 0.01590413 0.000650 63 0.01761214 0.000713 64 0.01951615 0.000770 65 0.02161516 0.000823 66 0.02272417 0.000873 67 0.02561718 0.000919 68 0.02882319 0.000961 69 0.03237220 0.000999 70 0.03629421 0.00<strong>10</strong>33 71 0.04062322 0.00<strong>10</strong>63 72 0.04539223 0.00<strong>10</strong>90 73 0.05063924 0.001113 74 0.05640425 0.001132 75 0.06272826 0.001147 76 0.06965527 0.001159 77 0.07723128 0.001166 78 0.08550229 0.001170 79 0.09451930 0.001170 80 0.<strong>10</strong>433131 0.001171 81 0.11499232 0.001201 82 0.12655333 0.001246 83 0.13906734 0.001308 84 0.15<strong>10</strong>7735 0.001387 85 0.16229836 0.001482 86 0.17414937 0.001593 87 0.18663838 0.001721 88 0.19977539 0.001865 89 0.21356040 0.002053 90 0.22799541 0.002247 91 0.24307242 0.002418 92 0.25878243 0.002602 93 0.275<strong>10</strong>944 0.002832 94 0.29203145 0.0031<strong>10</strong> 95 0.30952246 0.003438 96 0.32754947 0.003816 97 0.34607348 0.004243 98 0.36505249 0.004719 99 0.384436198
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>MORTALITY RATES OF ANNUITANTS IN LIC OF INDIALIC A (96-98) ULTIMATEANNEX 3 (ii)Age Mortality Rate Life Expectation Age Mortality Rate Life Expectation20 0.000919 57.45 65 0.013889 17.3321 0.000961 56.50 66 0.015286 16.5622 0.000999 55.56 67 0.017026 15.8123 0.00<strong>10</strong>33 54.61 68 0.019<strong>10</strong>9 15.0824 0.00<strong>10</strong>63 53.67 69 0.021534 14.3625 0.00<strong>10</strong>90 52.72 70 0.024301 13.6726 0.001113 51.78 71 0.0274<strong>10</strong> 12.9927 0.001132 50.84 72 0.030862 12.3528 0.001147 49.89 73 0.034656 11.7229 0.001159 48.95 74 0.038793 11.1330 0.001166 48.01 75 0.043272 <strong>10</strong>.5631 0.001170 47.06 76 0.048093 <strong>10</strong>.0132 0.001170 46.12 77 0.053257 9.4933 0.001171 45.17 78 0.058763 9.0034 0.001201 44.22 79 0.064611 8.5335 0.001246 43.28 80 0.070802 8.0836 0.001308 42.33 81 0.077335 7.6637 0.001387 41.38 82 0.0842<strong>10</strong> 7.2638 0.001482 40.44 83 0.091428 6.8839 0.001593 39.50 84 0.098988 6.5240 0.001721 38.56 85 0.<strong>10</strong>6891 6.1941 0.001865 37.63 86 0.115136 5.8742 0.002053 36.70 87 0.123723 5.5643 0.002247 35.77 88 0.132652 5.2844 0.002418 34.85 89 0.141924 5.0145 0.002602 33.93 90 0.151539 4.7646 0.002832 33.02 91 0.161495 4.5247 0.0031<strong>10</strong> 32.11 92 0.171794 4.2948 0.003438 31.21 93 0.182436 4.0749 0.003816 30.32 94 0.193419 3.8750 0.004243 29.43 95 0.204746 3.6851 0.004719 28.56 96 0.216414 3.5052 0.005386 27.69 97 0.228425 3.3353 0.006058 26.84 98 0.240778 3.1754 0.006730 26.00 99 0.253473 3.0155 0.007401 25.17 <strong>10</strong>0 0.266511 2.8656 0.008069 24.35 <strong>10</strong>1 0.279892 2.7257 0.0087<strong>10</strong> 23.55 <strong>10</strong>2 0.293614 2.5958 0.009397 22.75 <strong>10</strong>3 0.307679 2.4659 0.0<strong>10</strong>130 21.96 <strong>10</strong>4 0.322087 2.3360 0.0<strong>10</strong>907 21.18 <strong>10</strong>5 0.336836 2.1961 0.011721 20.41 <strong>10</strong>6 0.351928 2.0562 0.011750 19.64 <strong>10</strong>7 0.367363 1.8963 0.012120 18.87 <strong>10</strong>8 0.383139 1.7064 0.012833 18.<strong>10</strong> <strong>10</strong>9 0.399258 1.451<strong>10</strong> 0.415720 1.08199
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>ANNEX 4LIFE INSURANCE PRODUCTS CLEARED DURING THE FINANCIAL YEAR <strong>2009</strong>-<strong>10</strong>S.No Name of the Insurer Name of the Product UIN*1 Aegon Religare Life Aegon Religare Premium Gain Plus Plan 138L013V01Aegon Religare Wealth Protect Plan138L014V01Aegon Religare Invest Maximiser Plan138L015V01Aegon Religare Iterm Plan138N016V01Aegon Religare Group Credit Life Plan138N017V01Aegon Religare Protect Gain Plan138L001V02Aegon Religare Star Child Plan138L005V02Aegon Religare Pension Plan138L0<strong>10</strong>V02Aegon Religare Premium Gain Plus Plan138L013V02Aegon Religare Wealth Protect Plan138L014V02Aegon Religare Money Back Plan138N018V01Aegon Religare Wealth Protect Plus Plan138L019V01Aegon Religare Growth Plan138L020V012 Aviva Life Aviva Traditional Group Gratuity Plan 122N065V01Aviva Corporate Shield Plus122N066V01Aviva Corporate Life Plus122N067V01Aviva Long Life Samruddhi122N068V01Aviva Dhan Sanchay122N069V01Aviva New freedom Life Plan122L070V01Aviva New Life Line122L071V01Aviva New Save Guard122L072V01Aviva New Pension Elite122L073V01Aviva New Pension Plus122L074V01Aviva New Life Bond Plus122L075V01Aviva New Young Scholar Plan122L076V01Aviva New Sachin Century Plan122L077V01Annuity Plus122N018V02Aviva New LifeSaver Plus122L078V01Aviva Wealth Protect122L079V013 Bajaj Allianz Life Bajaj Allianz New Unit Gain Easy Pension Plus - RP 116L031V03Bajaj Allianz Group Seva Plan116N073V01Bajaj Allianz Invest Plus116N074V01Bajaj Allianz Group Secure Life116N075V01Bajaj Allianz Smart Investment Plan116L076V01Bajaj Allianz Century plus III116L077V01Bajaj Allianz Smart Investment Plan II116L078V01Bajaj Allianz Group Unit Gain116L079V01Bajaj Allianz Unit Gain Protection Plus II116L080V01Bajaj Allianz Max Gain116L081V01Bajaj Allianz Young Care II116L082V01Bajaj Allianz New Family Gain II116L083V01Bajaj Allianz New Unit Gain II116L084V01Bajaj Allianz Family Assure II116L085V01Bajaj Allianz iGain II116L086V01Bajaj Allianz Wealth Gain116L087V01* Unique Identification Number200
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>LIFE INSURANCE PRODUCTS CLEARED DURING THE FINANCIAL YEAR <strong>2009</strong>-<strong>10</strong>Cont’d... ANNEX 4Bajaj Allianz Retirement Advantage RPBajaj Allianz Retirement Advantage SPBajaj Allianz Shield plusBajaj Allianz Future Secure IIBajaj Allianz Assure GainBajaj Allianz Invest Plus PremierBajaj Allianz Unit Linked Term RiderBajaj Allianz Group UL Accidental Death Benefit RiderBajaj Allianz Group UL AccidentalPermanent Total/Partial Disability Benefit RiderBajaj Allianz UL Accelerated Critical Illness Rider116L088V01116L089V01116L090V01116L091V01116L092V01116N093V01116A021V01116A022V01116A023V01116A024V014 Bharti AXA Life Bharti AXA Life Guarantee Builder 130L019V01Bharti AXA Life Spot Guarantee Builder130L020V01Bharti AXA Life Credit Secure130N021V01Bharti AXA Life Merit Plus130L022V01Bharti AXA Life Easy Health130N023V01Bharti AXA Life Bachat Bima130N024V01Bharti AXA Life Elite Secure130N025V01Bharti AXA Life Future Secure Pension130L026V01Bharti AXA Life Express Secure130L027V01Bharti AXA Life Aspire Life Plus130L028V01Bharti AXA Life Bright Stars Plus130L029V01Bharti AXA Life Wealth Confident130L001V02Bharti AXA Life Spot Guarantee Builder130L020V02Bharti AXA Life Merit Plus EDGE130L030V01Bharti AXA Life Dream Life Pension Plus130L031V01Bharti AXA Life Swarna Bhavishya130L032V01Bharti AXA Life Future Advantage Plan130L033V01Bharti AXA Life Level Term Rider130A003V01Bharti AXA Life Waiver of Premium onCritical Illness Rider130A004V015 Birla Sun Life BSLI Platinum Plus <strong>10</strong>9L037V02BSLI High Networth Term Plan<strong>10</strong>9N044V01BSLI Group Asset Assure Plan<strong>10</strong>9N045V01BSLI Saral Wealth Plan<strong>10</strong>9L046V01BSLI Saral Children Plan<strong>10</strong>9L047V01BSLI Saral Health Plan<strong>10</strong>9L048V01BSLI Freedom 58<strong>10</strong>9L038V02BSLI Titanium Plus Plan<strong>10</strong>9L049V01BSLI Dream Child Plan<strong>10</strong>9L050V01BSLI Dream Retirement Plan<strong>10</strong>9L051V01BSLI Dream Endowment Plan<strong>10</strong>9L052V01BSLI Immediate Income Plan<strong>10</strong>9N053V01BSLI Platinum Premier Plan<strong>10</strong>9L054V01BSLI Group Value Plus Plan<strong>10</strong>9L055V01201
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>Cont’d... ANNEX 4LIFE INSURANCE PRODUCTS CLEARED DURING THE FINANCIAL YEAR <strong>2009</strong>-<strong>10</strong>6 Canara HSBC OBC Canara HSBC OBC Life Unit linked Child Plan 136L009V01Canara HSBC OBC Life Saral Bima Plan136L0<strong>10</strong>V01Canara HSBC OBC Life Saral Bima Plus Plan136L011V01Canara HSBC OBC Life Stay Smart Plan136L012V01Canara HSBC OBC Life Retire Smart Plan136L013V017 DLF Pramerica Life DLF Pramerica Family First 140N008V01DLF Pramerica Future Idols140L009V01DLF Pramerica Tatkal Suraksha140L0<strong>10</strong>V01DLF Pramerica FeeProtect140N011V01DLF Pramerica Wealth +140L002V02DLF Pramerica FeeProtect +140N012V01DLF Pramerica Golden Age+140L013V01DLF Pramerica Golden Age + Single Premium140L014V01DLF Pramerica Super Wealth+ Single Premium 140L015V01DLF Pramerica Future Idols +140L016V01DLF Pramerica Tatkal Suraksha +140L017V01DLF Pramerica Vishal Super Child Educare ++140L018V01DLF Pramerica Vishal Super Wealth Builder ++ 140L019V01DLF Pramerica Unit Linked Level Term Rider140A005V018 Future Generali India Life Future Generali Anand Plan 133N018V01Future Generali Saral Anand Plan133N019V01Future Generali Freedom Plus Plan133L020V01Future Generali Unit Linked Group Superannuation Plan 133L021V01Future Generali Savings Suraksha133L022V01Future Generali Sanjeevani Plus133L023V01Future Pension Advantage Plus Plan133L024V01Future Generali NAV Assure Plan133L025V01Future Generali Guarantee Plus Plan133L026V01Future Generali Guarantee Advantage Plan133N027V01Future Generali Nivesh Plan133L028V01Future Generali Accidental Death Rider133C001V01Future Generali Accidental Total &Permanent Disability Rider133C002V01Unit Linked Critical Illness (Core) Rider133A017V01Future Generali Unit Linked Life Guardian Rider 133A018V01Future Generali Unit Linked Term Assurance Rider 133A019V019 HDFC Standard Life HDFC Unit Linked Wealth Multiplier <strong>10</strong>1L044V01HDFC Gramin Bima Kalyan Yojana<strong>10</strong>1N045V01HDFC Premium Guarantee Plan<strong>10</strong>1N046V01HDFC Pension Super<strong>10</strong>1L047V01HDFC Young Star Super<strong>10</strong>1L048V01HDFC Endowment Super<strong>10</strong>1L049V01HDFC Young Star Super Suvidha<strong>10</strong>1L050V01HDFC Endowment Super Suvidha<strong>10</strong>1L051V01HDFC Young Star Supreme Suvidha<strong>10</strong>1L052V01HDFC Endowment Supreme Suvidha<strong>10</strong>1L053V01202
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>LIFE INSURANCE PRODUCTS CLEARED DURING THE FINANCIAL YEAR <strong>2009</strong>-<strong>10</strong>Cont’d... ANNEX 4HDFC Wealth BuilderHDFC SimpliLifeHDFC Pension SupremeHDFC Pension Maximiser IIHDFC Pension ChampionHDFC Endowment SupremeHDFC Young Star Champion SuvidhaHDFC Young Star SupremeHDFC Endowment Champion Suvidha<strong>10</strong>1L054V01<strong>10</strong>1L033V03<strong>10</strong>1L055V01<strong>10</strong>1L056V01<strong>10</strong>1L057V01<strong>10</strong>1L058V01<strong>10</strong>1L059V01<strong>10</strong>1L060V01<strong>10</strong>1L061V01<strong>10</strong> ICICI Prudential Life ICICI Pru Life Stage Assure Pension <strong>10</strong>5L092V01ICICI Pru Assure Life<strong>10</strong>5L093V01ICICI Pru Elite Pension<strong>10</strong>5L094V01ICICI Pru Pinnacle<strong>10</strong>5L095V01ICICI Pru Life Time Maxima<strong>10</strong>5L096V01ICICI Pru Premier Wealth<strong>10</strong>5L097V01ICICI Pru Assure Wealth<strong>10</strong>5L098V01ICICI Pru Elite Pension II<strong>10</strong>5L099V01ICICI Pru Life Stage Pension Advantage<strong>10</strong>5L<strong>10</strong>0V01ICICI Pru Life Time Pension Maxima<strong>10</strong>5L<strong>10</strong>1V01ICICI Pru Assure Pension<strong>10</strong>5L<strong>10</strong>2V01ICICI Pru Life Stage Wealth<strong>10</strong>5L<strong>10</strong>3V01ICICI Pru Smart Kid Maxima<strong>10</strong>5L<strong>10</strong>4V01ICICI Pru Ace<strong>10</strong>5L<strong>10</strong>5V01ICICI Pru Smart Kid Assure<strong>10</strong>5L<strong>10</strong>6V01ICICI Pru Structured Annuity<strong>10</strong>5N<strong>10</strong>7V01ICICI Pru Immediate Annuity<strong>10</strong>5N009V0511 IDBI Federal Life IDBI Fortis Termsurance Protection Plan 135N009V01IDBI Fortis IncomesuranceEndowment and Money Back Plan135N0<strong>10</strong>V01Wealthsurance Foundation Plan135L001V02IDBI Fortis Retiresurance Pension plan135L008V02IDBI Fortis Termsurance Grameen Bachat Yojna 135N011V01IDBI Fortis HealthsuranceHospitalisation and Surgical Plan135N012V0112 IndiaFirst Life India First Annuity Plan 143N001V01India First Education Plan143L002V01India First Future Plan143L003V01India First Savings Plan143L004V01India First Group Credit Life Plan143N005V01India First Group Term Plan143N006V0113 ING Vysya Life ING Vysya New Best years Plan 114N040V01ING Flexi Life114L041V01ING Flexi Life Plus114L042V01ING Easy Life114L043V01ING New Golden Life114L044V01ING Future Perfect114L045V01203
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>Cont’d... ANNEX 4LIFE INSURANCE PRODUCTS CLEARED DURING THE FINANCIAL YEAR <strong>2009</strong>-<strong>10</strong>ING New Creating Star114L047V01ING Freedom Plan114L046V01ING New Prime Life114L048V01ING Assured Returns114N049V0114 Kotak Mahindra OM Life Kotak Single Invest <strong>10</strong>7L053V01Kotak Headstart Future Protect (Single Life Plan) <strong>10</strong>7L037V02Kotak e-retirement Saver<strong>10</strong>7L054V01Kotak Term Plan<strong>10</strong>7N005V04Kotak e-Invest Maxima<strong>10</strong>7L056V01Kotak Headstart Assure Wealth (Single Life Plan) <strong>10</strong>7L034V02Kotak Guaranteed Pension Builder Plan<strong>10</strong>7L057V01Kotak Term Group Plan<strong>10</strong>7N007V03Kotak Super Advantage<strong>10</strong>7L058V01Kotak Long Life Secure Plus<strong>10</strong>7L044V02Kotak Second Innings Plan<strong>10</strong>7L052V02Kotak Single Invest<strong>10</strong>7L053V02Kotak Safe Investment Plan II<strong>10</strong>7L021V03Kotak Platinum Edge<strong>10</strong>7L059V01Kotak Long Life Wealth Plus<strong>10</strong>7L045V02Kotak Headstart Assure Wealth (Joint Life Plan) <strong>10</strong>7L035V02Kotak Preferred Term Plan<strong>10</strong>7N009V04Accidental Death Benefit (Rider)<strong>10</strong>7C005V02Accidental Dismemberment Benefit (Rider)<strong>10</strong>7C006V02Accidental Death Disability & Dismemberment (Rider) <strong>10</strong>7C007V02Accidental Disability Benefit (Rider)<strong>10</strong>7C008V02Critical Illness Benefit (Rider)<strong>10</strong>7C009V02Family Benefit (Rider)<strong>10</strong>7C0<strong>10</strong>V02Kotak Group Terminal Illness (Rider)<strong>10</strong>7B014V02Kotak Critical Illness Plus (Rider )<strong>10</strong>7B015V01Kotak Group Daily Task Benefit (Rider)<strong>10</strong>7B016V0115 Life Insurance Corporation LIC’s Superannuation Plus (Defined Contribution) 512L256V01LIC’s Jeevan Mangal512N257V01LIC’s Jeevan Nischay512N258V01LIC’s Profit Plus512L245V02LIC’s Money Plus -I512L248V02LIC’s Market Plus -I512L249V02LIC’s Child Fortune Plus512L251V02LIC’s Jeevan Saathi Plus512L255V02LIC’s Wealth Plus512L259V0116 Max New York Life Max New York Life SMART Xpress <strong>10</strong>4L051V01Max New York Life- Life Line Healthy Family<strong>10</strong>4N052V01Max Smart Invest Pension Plus<strong>10</strong>4L053V01Max New York Life Secure Dreams<strong>10</strong>4N054V01Max New York Life Amsure Magic Builder<strong>10</strong>4L055V01Max New York Life SMART Xpress<strong>10</strong>4L051V02Max New York Life Smart Invest Pension Super <strong>10</strong>4L056V01Max New York Life Unit Builder Plus<strong>10</strong>4L057V01204
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>LIFE INSURANCE PRODUCTS CLEARED DURING THE FINANCIAL YEAR <strong>2009</strong>-<strong>10</strong>Cont’d... ANNEX 4Max New York Life Fortune BuilderMax New York Life Shiksha Plus<strong>10</strong>4L058V01<strong>10</strong>4L059V0117 MetLife India Met Mortgage Protector Plus 117N047V01Met Health Care117N048V01Met Group Term Life Plus117N049V01Met Monthly Income Plan117N050V01Met Growth Plus117L051V01Met Group Deposit Administration Scheme117N052V01Met Growth Super117L053V01Met Flexi Shield117N054V01Met Suraksha Plus117N055V01Met Wealth Plus117L056V01Met Easy Plus117L057V01Met Gold Plus117L058V01Met Pension Plus117L059V01Met Fortune117L060V01Met Smart Life117L061V01Met Magic Plus117L062V0118 Reliance Life Reliance Jan Samriddhi Plan 121N044V01Reliance Super Golden years Basic Plan121L045V01Reliance Traditional Super InvestAssure Plan121N046V01Reliance Traditional Group Gratuity Plan121N047V01Reliance Super Golden years Term <strong>10</strong> Plan121L048V01Reliance Super Automatic Investment Term <strong>10</strong> Plan 121L049V01Reliance Super Automatic Investment Basic Plan 121L050V01Reliance Super market Return Basic Plan121L051V01Reliance Super market Return Term <strong>10</strong> Plan121L052V01Reliance Super Golden years Plus Basic Plan121L053V01Reliance Super Golden years Value Basic plan 121L054V01Reliance Super Golden years Plus Term <strong>10</strong> Plan 121L055V01Reliance Super Golden years Value Term <strong>10</strong> Plan 121L056V01Reliance Super Invest Assure Basic Plan121L057V01Reliance Super Invest Assure Plus Basic Plan121L058V01Reliance Super Invest Assure Plus Term <strong>10</strong> Plan 121L059V01Reliance Imaan Investment Basic Plan121L060V01Reliance Imaan Investment Term <strong>10</strong> Plan121L061V01Reliance Premier Life Basic Plan121L062V01Reliance Premiere Life Term <strong>10</strong> Plan121L063V01Reliance Total Investment Plan Series IITerm <strong>10</strong> Plan - Pension121L064V01Reliance Total Investment Plan Series ITerm <strong>10</strong> plan-Insurance121L065V01Reliance Wealth +Health Basic Plan121L066V01Reliance Wealth+Health Term <strong>10</strong> Plan121L067V01Reliance Secure Child Term <strong>10</strong> Plan121L068V01Reliance Secure Child Basic Plan121L069V01Reliance Money Guarantee Term <strong>10</strong> Plan121L070V01Reliance Money Guarantee Basic Plan121L071V01205
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>LIFE INSURANCE PRODUCTS CLEARED DURING THE FINANCIAL YEAR <strong>2009</strong>-<strong>10</strong>Reliance Life Highest NAV Guarantee Plan121L072V01Reliance Super Golden YearsTerm <strong>10</strong> Senior Citizen Plan121L073V01Reliance Life Traditional Investment Insurance Plan 121N074V01Reliance Life Traditional Golden Years Plan121N075V01Reliance New Critical Condition (25) Rider121C012V01Reliance New Term Life with Accident Benefit Rider 121C013V01Reliance New Major Surgical Benefit Rider121C014V0119 Sahara India Life Sahara Vishesh 127L018V02Sahara Umang127N019V01Sahara Sanchay - R127L012V02Sahara Swabhimaan127L014V02Sahara Samarth127L017V02Sahara Ankur127L011V02Sahara Sanmanvay127L020V0120 SBI Life SBI Life - Sampoorna Suraksha Group Plan 111N040V02SBI Life - Maha Anand111L054V01SBI Life - Shubh Nivesh111N055V01SBI Life - Swarna Ganga111N006V02SBI Life- Unit Plus III111L056V01SBI Life- Smart ULIP111L053V02SBI Life- Lifelong Pension Plus111N057V01SBI Life- Maha Anand II111L058V01SBI Life - Horizon III111L059V01SBI Life - Unit Plus III Pension111L060V01SBI Life - Horizon III Pension111L061V01SBI Life - Unit Plus II Child Plan111L062V01SBI Life - Unit Plus Elite II111L063V01SBI Life - Cap Assure111N064V01SBI Life - Group Rider -Accidental Partial Permanent Disability111B006V01SBI Life - Group Rider -Accidental Death111B007V01SBI Life - Group Rider -Accelerated- Extended Critical Illness111B008V01SBI Life - Group Rider -Accidental Total Permanent Disability111B009V01SBI Life - Group Rider -Additional - Extended Critical Illness111B0<strong>10</strong>V01SBI Life - Group Rider -Accelerated - Core Critical Illness111B011V01SBI Life - Group Rider -Additional -Core Critical Illness111B012V01SBI Life - Group Rider -Accident and Sickness Total Permanent Disability 111B013V01SBI Life Preferred Term Rider111B014V01SBI Life Accidental Death Benefit Rider111B015V01SBI Life Accidental Total &Permanent Disability Benefit Rider111B016V01206Cont’d... ANNEX 4
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>Cont’d... ANNEX 4LIFE INSURANCE PRODUCTS CLEARED DURING THE FINANCIAL YEAR <strong>2009</strong>-<strong>10</strong>SBI Life Premium Pay or Waiver Benefit Rider111A017V01SBI Life Criti Care 13 Rider111A018V01SBI Life Accidental death Benefit Linked Rider111A019V01SBI Life Income Sustainer Rider111A020V0121 Shriram Life Shriram Future Wealth 128L020V01Shriram Investment Guarantee Plan128L021V01Shriram Pension Plan128L022V01Shriram Akshay Nidhi128N023V01Shriram Shri Vikash - II128L024V01Shriram Shri Plus (SP) - II128L025V01Shriram Future Wealth - II128L026V01Shriram Shri Plus - II128L027V01Shriram Shri Vishram - II128L028V01Shriram Shri Vidya Plus - II128L029V01Shriram Pension Plan - II128L030V01Shriram Group Superannuation Scheme128L031V01Shriram Group Gratuity Shield128L032V01Shriram Critical Illness Rider128A008V0122 Star Union Dai-ichi Life SUD Life Group Savings Linked Insurance Plan 142N011V01SUD Life Pure Term Assurance Plan142N012V01SUD Life Premier Protection Plan142N013V01SUD Life Group Gratuity Scheme142N014V01SUD Life RML Annuity Plan142N015V01SUD Life Instant Endowment Plan142N016V01SUD Life Group Leave Encashment Scheme142N017V01SUD Life New Dhan Suraksha Plan142L018V01SUD Life New Dhan Suraksha Premium Plan142L019V01SUD Life New Prabhat Tara (Unit Linked Child Plan) 142L020V01SUD Life New Dhruv Tara Plan142L021V01SUD Life Group Superannuation Scheme142N022V01SUD Life Critical Illness Benefit Rider142C004V0123 TATA AIG Life Tata AIG Life Jeevan Lakshya 1<strong>10</strong>L069V01Tata AIG Invest Assure Sampathi1<strong>10</strong>L070V01Tata AIG Invest Assure SuperStar1<strong>10</strong>L071V01Tata AIG Invest Assure Optima Plus1<strong>10</strong>L072V01Tata AIG Life Invest Assure Swarna Jeevan Plus 1<strong>10</strong>L073V01Tata AIG Life JeevanLakshaya Plus1<strong>10</strong>L074V01Tata AIG Life Invest Assure Flexi Plus1<strong>10</strong>L075V01Tata AIG Life Invest Assure Insta +1<strong>10</strong>L076V01Tata AIG Life Invest Assure Future Plus1<strong>10</strong>L077V01Tata AIG Life Invest Assure Apex Plus1<strong>10</strong>L078V01Tata AIG Life Apex Pension 151<strong>10</strong>L079V01Tata AIG Life Apex Pension 201<strong>10</strong>L080V01Tata AIG Life Apex Pension1<strong>10</strong>L081V01Tata AIG Life Invest Assure II +1<strong>10</strong>L082V01Tata AIG Life Apex Pension <strong>10</strong>1<strong>10</strong>L083V01Tata AIG Life InvestAssure Plus Advantage1<strong>10</strong>L084V01Tata AIG Life Invest Assure Health Plus1<strong>10</strong>L085V01Tata AIG Life Invest Assure Gold Plus1<strong>10</strong>L086V01Tata AIG Life United Ujjwal Bhavishya Plus1<strong>10</strong>L087V01207
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>NON-LIFE INSURANCE PRODUCTS CLEAREDDURING THE FINANCIAL YEAR <strong>2009</strong>-<strong>10</strong>ANNEX 5S No. Name of the Non-Life Insurer Name of the Product1 Apollo Munich General Optima CashMaxima InsuranceOptima Plus2 Bajaj Allianz General Lawyers Professional Indemnity PolicyExtra CareSIB Health Assist3 Bharti AXA General Trade Credit Insurance PolicySmart Janta Personal Accident Insurance PolicySmart Health High Deductible Insurance PolicySmart Health EssentialCommercial General LiabilityStock Throughput InsuranceTea Crop InsuranceE&O Insurance PolicyProduct Liability Insurance PolicyPublic Liability (Non-Industrial)Professional IndemnitySmart Plan Householders Package PolicySmart Plan Shop Package PolicySmart Student Personal Accident PolicyDirectors & Officers Liability InsuranceMicro Smart Health Insurance PolicySmart Cargo Project Consequential Loss Insurance Policy4 Cholamandalam General Chola Instant HomeChola Protect 3605 Future Generali Farmers Package InsuranceCamel InsuranceHorse InsuranceDog InsuranceJewellers Block InsuranceBurglary (House Breaking) InsuranceBusiness SurakashaCriti care policyE&O Insurance PolicyCommercial General LiabilityPoultry Insurance6 HDFC Ergo General Health SurakshaCritical IllnessHospital Cash InsuranceSarv SurakshaJanata Personal Accident (JPA)208
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>NON-LIFE INSURANCE PRODUCTS CLEAREDDURING THE FINANCIAL YEAR <strong>2009</strong>-<strong>10</strong>Contd... ANNEX 5Crime Insurance PolicyEmployment Practices Liability Insurance PolicyHDFC ERGO Classic - D&O Insurance PolicyAlpha Insurance PolicySER Clinical Trials Liability Insurance7 ICICI Lombard General Commercial Vehicle Extended Warranty InsurancePremises Pollution Liability InsuranceSericulture Insurance8 IFFCO Tokio General Swasthya Kavach (Family Health)Individual Medi ShieldJPA - Long term9 Max BUPA HeartbeatHeart Beat - Add On<strong>10</strong> Rahaja QBE General Consequentional loss (Fire policy)Plate Glass and Neon Signs/Glow Signs InsuranceIndustrial All Risk policyBoiler & Pressure Plant InsuranceErection All Risks InsuranceContractors Plant & MachineryLiability Insurance Policy (PLI Act)Standard Fire & Special Perils PolicyWorkmens CompensationGoods Carrying Vehicle Package PolicyMiscellaneous Vehicle Package PolicyPassenger Carrying Vehicle Package PolicyElectronic Equipment InsuranceMachinery BreakdownCombined General LiabilityD & O Mgmt LiabilityContractors All Risk InsuranceI & CT LiabilityMarine Cargo Insurance - Open PolicyMarine Cargo Insurance - Special TransitMarine Cargo - Sales Turnover policyProfessional IndemnityPublic Liability Insurance PolicyProduct Liability Insurance PolicyFidelity Guarantee InsuranceAll Risks InsuranceCattle & LivestockMoney InsuranceOffice Package209
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>NON-LIFE INSURANCE PRODUCTS CLEAREDDURING THE FINANCIAL YEAR <strong>2009</strong>-<strong>10</strong>Contd... ANNEX 511 Reliance General D&O Liability PolicyReliance Film ProtectReliance Healthwise Policy12 Royal Sundaram General Medi SafeHealth Shield - GoldHealth Shield - NormalHealth Shield - PremierFamily Health ProtectorHealth Shield Premium13 SBI General Motor Act Only InsuranceMotor Commercial Vehicle PolicyMotor Private Car InsuranceMotor Two Wheeler InsuranceConsequentional loss (Fire policy)Standard Fire & Special PerilsContractors All Risk InsuranceElectronic Equipment Insurance policyMoney insurance14 Shriram General Burglary InsurancePublic Liability (Under PLI Act) InsurancePublic Liability (NI) Insurance PolicyFidelity Guarantee InsuranceMarine CargoMoney Insurance15 Star Health Star Shri Individual Care Insurance PolicyStar Shri Family Care Insurance Policy16 TATA AIG General Service Contract Liability Insurance PolicyPrivate Client Group Home Secure policyFreight Forwarders liabilityEndorsement for Terrorism CoverRashtriya Swasthya Bima Yojana Insurance PolicyWellsurance ExecutiveWellsurance WomanWellsurance FamilyWellsurance Senior17 Universal Sompo General Credit Insurance PolicyBusiness Shield PolicyD&O Liability InsuranceE&O Liability PolicyLong Term JPASampoorna Swasthya Kavach2<strong>10</strong>
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>OBLIGATORY CESSIONS RECEIVED BY GICANNEX 6Class Limit of Cession in Sum Insured (SI) Reinsurance ProfitCommission (%) Commission (%)Fire, IAR ` 500 crore SI (MD+LOP) per risk 15-30 25-30Large Risks ` 500 crore SI (MD+LOP) per risk <strong>10</strong> 20Marine Cargo ` 25 crore SI per policy 15-20 <strong>10</strong>Marine Hull ` 40 crore SI per Vessel 15-17.5 15War & SRCC ` 40 crore SI per Vessel <strong>10</strong> NilMotor, Workmen’s Compensation No Limit 15-20 15-30General Aviation Hull No Limit <strong>10</strong> 15General Aviation Liability No Limit <strong>10</strong> 15Aviation (Airlines) ` 300 crore SI per risk on hull & corresponding Average Terms Nilpercentage share on other insurancesOil & Energy ` 37.50 crore SI per risk 5 20Liability: Casualty and ` 12.5 crore per policy including USA/ 20 15Financial Liability ` 25 crore per policy excluding USACredit and Guarantee Lines, ` 25 crore SI per event <strong>10</strong> 15Mortgage InsuranceCrop/Weather InsuranceOther Miscellaneous No Limit 15-20 15Engineering Machinery Breakdown/ ` <strong>10</strong>0 crore per risk 15-27 25-30Boiler Explosion/Loss of ProfitContractor All Risk/Erection ` 300 crore per risk (MD+LOP) 15-27 25-30All Risk/Advance Loss ofProfit/Delay in Start UpMD: Material Damage; LOP: Loss of profit211
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>STATE-WISE NUMBER OF REGISTERED BROKERSANNEX 7SL.No State No of Licensed Brokers *1 Andhra Pradesh 192 Chandigarh 53 Delhi 594 Gujarat 125 Haryana 16 Karnataka 127 Kerala 78 Madhya Pradesh 39 Maharashtra 98<strong>10</strong> Punjab 1211 Rajasthan 512 Tamil Nadu 2713 Uttar Pradesh 1614 West Bengal 27Total 303* as on 18 th August, 20<strong>10</strong>212
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>ANNEX 8CIRCULARS / ORDERS / NOTIFICATIONS ISSUED BY THE AUTHORITY FROM APRIL <strong>2009</strong>*SI. No. Reference Number Date of Issue Subject1 <strong>IRDA</strong>/F&I/CIR/F&A/025/04/<strong>2009</strong> 22/04/<strong>2009</strong> Appointment of Statutory Auditors2 <strong>IRDA</strong>/AGTS/ORD/ORD/030/05/<strong>2009</strong> 04/05/<strong>2009</strong> Distribution Channel3 <strong>IRDA</strong>/AGTS/MISC/ORD/037/05/<strong>2009</strong> 04/05/<strong>2009</strong> Matter regarding insurance companies and membersnominated to the Committee.4 <strong>IRDA</strong>/F&I/CIR/CIR/028/05/<strong>2009</strong> 06/05/<strong>2009</strong> Approval of appointment and remuneration of Managing Directoru/s 34A of the Insurance Act, 1938.5 <strong>IRDA</strong>/F&I/CIR/CIR/026/05/<strong>2009</strong> 07/05/<strong>2009</strong> Disclosures forming part of Financial Statements6 <strong>IRDA</strong>/F&I/CIR/CIR/027/05/<strong>2009</strong> 11/05/<strong>2009</strong> Pension Fund Managers (PFMs)/Points of Presence (PoP)7 <strong>IRDA</strong>/NL/CIR/MPL/029/05/<strong>2009</strong> 15/05/<strong>2009</strong> Indian Motor Third party Insurance Pool - Administration Fees.8 <strong>IRDA</strong>/NL/MISC/RIN/036/05/<strong>2009</strong> 15/05/<strong>2009</strong> Submission of compliance <strong>report</strong> for facultative placements9 <strong>IRDA</strong>/F&I/ORD/F&A/035/05/<strong>2009</strong> 18/05/<strong>2009</strong> Exemption from prescribed Limit of expenses of management.<strong>10</strong> <strong>IRDA</strong>/NL/GDL/F&U/034/05/<strong>2009</strong> 20/05/<strong>2009</strong> Guidelines on File & Use requirements for general insurance products11 <strong>IRDA</strong>/HLT/MISC/CIR/033/05/<strong>2009</strong> 25/05/<strong>2009</strong> Health insurance for senior citizens12 <strong>IRDA</strong>/F&I/CIR/F&A/031/05/<strong>2009</strong> 26/05/<strong>2009</strong> Reconciliation of amounts due to/due fromEntities Carrying on insurance Business13 <strong>IRDA</strong>/LIFE/CIR/CIR/13/05/<strong>2009</strong> 27/05/<strong>2009</strong> Protection of policyholder’s Interests14 <strong>IRDA</strong>/F&I/CIR/CIR/038/05/<strong>2009</strong> 29/05/<strong>2009</strong> Declaration of Bonus under section 49 of the Insurance Act,1938.15 <strong>IRDA</strong>/F&I/CIR/CIR/039/06/<strong>2009</strong> 04/06/<strong>2009</strong> Indian Depositary Receipts16 <strong>IRDA</strong>/F&I/ORD/F&A/040/06/<strong>2009</strong> 24/06/<strong>2009</strong> Levy of penalty under section <strong>10</strong>5B of the Insurance Act, 193817 <strong>IRDA</strong>/AGTS/GDL/ORD/041/07/<strong>2009</strong> 03/07/<strong>2009</strong> Guidelines on qualifications of Corporate insuranceExecutives and faculty of Agents’ Training Institutes.18 <strong>IRDA</strong>/F&I/CIR/CIR/043/07/<strong>2009</strong> 09/07/<strong>2009</strong> AML Guidelines.19 <strong>IRDA</strong>/ADMN/CIR/CIR/044/07/<strong>2009</strong> 13/07/<strong>2009</strong> Submission of Insurance Data at <strong>IRDA</strong> Data Center20 <strong>IRDA</strong>/ACT/CIR/PRD/045/07/<strong>2009</strong> 22/07/<strong>2009</strong> Unit Linked Products-cap on charges21 <strong>IRDA</strong>/LIFE/CIR/PAN/21/07/<strong>2009</strong> 23/07/<strong>2009</strong> Requirement of PAN for Insurance Product.22 <strong>IRDA</strong>/F&I/GDL/INV/042/07/<strong>2009</strong> 27/07/<strong>2009</strong> Clarification on investments in central government securities23 <strong>IRDA</strong>/F&I/CIR/INV/047/08/<strong>2009</strong> 04/08/<strong>2009</strong> Audit of investment Risk management systems & processinternal/Concurrent Audit.24 <strong>IRDA</strong>/F&I/CIR/F&A/050/08/<strong>2009</strong> 05/08/<strong>2009</strong> Guidelines on Corporate Governance for the insurance sector25 <strong>IRDA</strong>/ACT/CIR/PRD/049/08/<strong>2009</strong> 05/08/<strong>2009</strong> Appropriation/expropriation unit pricing and reservingLinked business clarification26 <strong>IRDA</strong>/AGTS/ORD/GUL/051/08/<strong>2009</strong> 06/08/<strong>2009</strong> Insurance Qualification of the Corporate Agent27 <strong>IRDA</strong>/ACT/GDL/GEN/048/08/<strong>2009</strong> 13/08/<strong>2009</strong> Role of Appointed Actuaries28 <strong>IRDA</strong>/LIFE/CIR/PAN/028/08/<strong>2009</strong> 18/08/<strong>2009</strong> Requirement of PAN for Insurance Products29 <strong>IRDA</strong>/ACT/CIR/PRD/053/08/<strong>2009</strong> 20/08/<strong>2009</strong> Unit-Linked Products cap on charges30 <strong>IRDA</strong>/F&I/CIR/AML/054/08/<strong>2009</strong> 24/08/<strong>2009</strong> Anti-money Laundering Guidelines31 <strong>IRDA</strong>/CHM/GDL/CIR/057/09/<strong>2009</strong> 02/09/<strong>2009</strong> Transfer of corporate agency agreement from one insurer to another32 <strong>IRDA</strong>/HLT/MISC/CIR/061/09/<strong>2009</strong> 02/09/<strong>2009</strong> Free look period in health insurance policies by general insurance companies.33 <strong>IRDA</strong>/F&I/CIR/AML/062/09/<strong>2009</strong> 09/09/<strong>2009</strong> The prevention of Money Laundering (Amendment) Act, <strong>2009</strong>* till 30 th September, 20<strong>10</strong>213
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>Cont’d... ANNEX 8CIRCULARS / ORDERS / NOTIFICATIONS ISSUED BY THE AUTHORITY FROM APRIL <strong>2009</strong>*34 <strong>IRDA</strong>/SUR/GDL/ORD/063/09/<strong>2009</strong> 15/09/<strong>2009</strong> Order against Dinesh Chand Jain35 <strong>IRDA</strong>/LIFE/MISC/CIR/037/09/<strong>2009</strong> 15/09/<strong>2009</strong> Premium Awaited Policies36 <strong>IRDA</strong>/SUR/GDL/ORD/064/09/<strong>2009</strong> 15/09/<strong>2009</strong> Order against Kalyan Prasad Sen37 <strong>IRDA</strong>/F&I/CIR/INV/036/09/<strong>2009</strong> 17/09/<strong>2009</strong> IIFCL Taxable Bonds - Approved Securities38 <strong>IRDA</strong>/AGTS/MISC/NOT/059/09/<strong>2009</strong> 18/09/<strong>2009</strong> Notice under section1<strong>10</strong>C of the Insurance Act, 193839 <strong>IRDA</strong>/CHM/CIR/NOT/065/<strong>10</strong>/<strong>2009</strong> 01/<strong>10</strong>/<strong>2009</strong> Notice under Section 1<strong>10</strong>C of the Insurance Act, 193840 <strong>IRDA</strong>/F&I/CIR/INV/040/<strong>10</strong>//<strong>2009</strong> 05/<strong>10</strong>/<strong>2009</strong> MCX Stock Exchange Limited - Recognised Stock Exchange41 <strong>IRDA</strong>/CHM/CIR/IPO/066/<strong>10</strong>/<strong>2009</strong> 08/<strong>10</strong>/<strong>2009</strong> Exposure draft on the public disclosures by insurers42 <strong>IRDA</strong>/SUR/CIR/ORD/067/<strong>10</strong>/<strong>2009</strong> 08/<strong>10</strong>/<strong>2009</strong> Special dispensation to insurers under section64UM(2) of the Insurance Act,1938.43 <strong>IRDA</strong>/TAC/ORD/ADMN/068/<strong>10</strong>/<strong>2009</strong> 15/<strong>10</strong>/<strong>2009</strong> Insurance Information Bureau (IIB)44 <strong>IRDA</strong>/F&I/CIR/INV/036A/09/<strong>2009</strong> 23/<strong>10</strong>/<strong>2009</strong> IIFCL Taxable Bonds - Approved Securities45 <strong>IRDA</strong>/F&I/CIR/AML/070/<strong>10</strong>/<strong>2009</strong> 28/<strong>10</strong>/<strong>2009</strong> Guidelines for implementation of section 51A ofUnlawful Activities (Prevention) Amendment Act, (UAPA), 200846 <strong>IRDA</strong>/HLT/GDL/CIR/072/11/<strong>2009</strong> 12/11/<strong>2009</strong> Submission of Half Yearly Electronic Returns inrespect of Health Insurance Policies47 <strong>IRDA</strong>/NL/CIR/F&U/073/11/<strong>2009</strong> 16/11/<strong>2009</strong> TP liability- pillion rider and occupants in the vehicle48 <strong>IRDA</strong>/SUR/MISC/CIR/074/11/<strong>2009</strong> 17/11/<strong>2009</strong> Use of in-house surveyors49 <strong>IRDA</strong>/F&I/CIR/INV/077/11/<strong>2009</strong> 27/11/<strong>2009</strong> OTC Trades50 <strong>IRDA</strong>/NL/CIR/F&U/078/12/<strong>2009</strong> 03/12/<strong>2009</strong> Liability of insurance companies in respect of passengers in the vehicle51 <strong>IRDA</strong>/LGL/MISC/CIR/080/12/<strong>2009</strong> 15/12/<strong>2009</strong> Matter regarding submission of database of cases for protectionof policyholders’ interests.52 <strong>IRDA</strong>/F&I/CIR/F&A/081/12/<strong>2009</strong> 17/12/<strong>2009</strong> Reserve for unexpired risk53 <strong>IRDA</strong>/BRS/ORD/LC/084/12/<strong>2009</strong> 22/12/<strong>2009</strong> Cancellation of Broker licence No.-31954 <strong>IRDA</strong>/F&I/CIR/AML/085/12/<strong>2009</strong> 23/12/<strong>2009</strong> UAPA Nodal Officer55 <strong>IRDA</strong>/ADMN/CIR/ATI/086/12/<strong>2009</strong> 23/12/<strong>2009</strong> Launching of New Agency Licencing Portal56 <strong>IRDA</strong>/LIFE/GDL/MISC/087/12/<strong>2009</strong> 23/12/<strong>2009</strong> Guidelines on Health Plus Life Combi Products57 <strong>IRDA</strong>/ACT/PR/PRD/088/12/<strong>2009</strong> 24/12/<strong>2009</strong> “Cap on Charges” life insurer58 <strong>IRDA</strong>/BRS/ORD/LC/001/01/20<strong>10</strong> 05/01/20<strong>10</strong> Surrender and cancellation of Broker Licence59 <strong>IRDA</strong>/F&I/ORD/RSS/003/01/20<strong>10</strong> 07/01/20<strong>10</strong> Non-compliance of Obligation of Insurers to Rural and Social Sector.60 <strong>IRDA</strong>/F&I/ORD/RSS/004/01/20<strong>10</strong> 07/01/20<strong>10</strong> Non compliance of Obligation of Insurers to Rural and Social Sector.61 <strong>IRDA</strong>/F&I/ORD/RSS/005/01/20<strong>10</strong> 07/01/20<strong>10</strong> Non compliance of Obligation of Insurers to Rural and Social Sector.62 <strong>IRDA</strong>/F&I/ORD//RSS/005/01/20<strong>10</strong> 07/01/20<strong>10</strong> Levy of penalty under section <strong>10</strong>5B of the Insurance Act 193863 <strong>IRDA</strong>/F&I/ORD//RSS/004/01/20<strong>10</strong> 07/01/20<strong>10</strong> Levy of penalty under section <strong>10</strong>5B of the Insurance Act 193864 <strong>IRDA</strong>/F&I/ORD//RSS/003/01/20<strong>10</strong> 07/01/20<strong>10</strong> Levy of penalty under section <strong>10</strong>5B of the Insurance Act 193865 <strong>IRDA</strong>/LGL/ORD/DM/007/01/20<strong>10</strong> 11/01/20<strong>10</strong> Settlement of Claim petition66 <strong>IRDA</strong>/F&I/CIR/F&A/008/01/20<strong>10</strong> 21/01/20<strong>10</strong> Business generated through Bancassurance67 <strong>IRDA</strong>/F&I/CIR/F&A/012/01/20<strong>10</strong> 28/01/20<strong>10</strong> Public Disclosures by Insurers68 <strong>IRDA</strong>/F&I/CIR/F&A/014/01/20<strong>10</strong> 29/01/20<strong>10</strong> Corporate Governance Guidelines69 <strong>IRDA</strong>/F&I/ORD/IN/015/02/20<strong>10</strong> 01/02/20<strong>10</strong> Levy of Penalty under Section <strong>10</strong>4 of Insurance Act, 1938.70 <strong>IRDA</strong>/F&I/CIR/AML/16/02/20<strong>10</strong> 03/02/20<strong>10</strong> The prevention of Money Laundering (Amendment) Act, <strong>2009</strong>71 <strong>IRDA</strong>/F&I/CIR/AML/016/02/20<strong>10</strong> 04/02/20<strong>10</strong> Prevention of Money Laundering72 <strong>IRDA</strong>/LGL/MISC/ORD/017/02/20<strong>10</strong> 08/02/20<strong>10</strong> Constitution of Committee - for the purpose ofAmendments - Insurance Act, 1938.214
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>Cont’d... ANNEX 8CIRCULARS / ORDERS / NOTIFICATIONS ISSUED BY THE AUTHORITY FROM APRIL <strong>2009</strong>*73 <strong>IRDA</strong>/NL/CIR/RIN/018/02/20<strong>10</strong> 08/02/20<strong>10</strong> Reinsurance with Indian Reinsurer 20<strong>10</strong>-11 Obligatory Cessions.74 <strong>IRDA</strong>/ACT/CIR/GEN/021/02/20<strong>10</strong> 11/02/20<strong>10</strong> Appointed Actuary’s Annual Report75 <strong>IRDA</strong>/CAGTS/CIR/F&A/045/03/20<strong>10</strong> 02/03/20<strong>10</strong> Guidelines on Licencing of Corporate Agents76 <strong>IRDA</strong>/F&I/CIR/F&A/045/03/20<strong>10</strong> <strong>10</strong>/03/20<strong>10</strong> Controlled Fund77 <strong>IRDA</strong>/AGTS/ORD/TRNG/046/03/20<strong>10</strong> <strong>10</strong>/03/20<strong>10</strong> Constitution of a Group on the matter relating to ATI78 <strong>IRDA</strong>/ACT/CIR/LIF/049/03/20<strong>10</strong> 11/03/20<strong>10</strong> Economic Capital79 <strong>IRDA</strong>/CAGTS/CIR/LCE/048/03/20<strong>10</strong> 11/03/20<strong>10</strong> Guidelines on Licencing of Corporate Agents80 <strong>IRDA</strong>/ACT/CIR/GEN/050/03/20<strong>10</strong> 15/03/20<strong>10</strong> Actuarial Report and Abstract81 <strong>IRDA</strong>/NL/PNTC/HLTH/051/03/20<strong>10</strong> 17/03/20<strong>10</strong> Unauthorised entity - M/s.Aetna Healthcare Networks (India)82 <strong>IRDA</strong>/NL/NTC/F&U/052/03/20<strong>10</strong> 22/03/20<strong>10</strong> Notice to National Insurance Co.83 <strong>IRDA</strong>/LIFE/PNTC/MISC/054/03/20<strong>10</strong> 23/03/20<strong>10</strong> Transacting Insurance Business without licence in India84 <strong>IRDA</strong>/NL/CIR/MPL/059/03/20<strong>10</strong> 31/03/20<strong>10</strong> Rationalization of Motor Third Party Pool for commercial vehicles w.e.f 1.4.20<strong>10</strong>85 <strong>IRDA</strong>/F&I/ORD/F&A/061/04/20<strong>10</strong> 08/04/20<strong>10</strong> Standing Committee on Accounting Issues - reconstituted86 <strong>IRDA</strong>/CHM/CIR/CIR/063/04/20<strong>10</strong> 13/04/20<strong>10</strong> Circular on ULIP87 <strong>IRDA</strong>/TPA/ORD/CAN/065/04/20<strong>10</strong> 23/04/20<strong>10</strong> Canceling of TPA Licence - Universal Medi Aid Services88 <strong>IRDA</strong>/ACT/CIR/ULIP/066/04/20<strong>10</strong> 27/04/20<strong>10</strong> Benefit Illustration - Payment to Distribution Channel89 <strong>IRDA</strong>/NL/ORD/MISC/069/04/20<strong>10</strong> 30/04/20<strong>10</strong> Carrying of insurance business by unauthorisedentity M/s.Radiant Overseas (P) Ltd90 <strong>IRDA</strong>/ACT/CIR/ULIP/071/05/20<strong>10</strong> 03/05/20<strong>10</strong> Guidelines on Unit Linked Products91 <strong>IRDA</strong>/F&I/CIR/F&A/075/05/20<strong>10</strong> <strong>10</strong>/05/20<strong>10</strong> Quarterly submission of Financial Statements92 <strong>IRDA</strong>/NL/CIR/HLTH/077/05/20<strong>10</strong> <strong>10</strong>/05/20<strong>10</strong> Information u/s 14(2)H of <strong>IRDA</strong> Act 1999 - Health Insurance Claims93 <strong>IRDA</strong>/F&I/CIR/FA/076/05/20<strong>10</strong> <strong>10</strong>/05/20<strong>10</strong> Reporting of Maintenance of Solvency Margin Ratio94 <strong>IRDA</strong>/F&I/CIR/AML/080/05/20<strong>10</strong> 13/05/20<strong>10</strong> Maintenance of records and value of transactions,procedure and manner of Maintaining for furnishing information andverification of records of the identity of the clients95 <strong>IRDA</strong>/ACT/CIR/MISC/081/05/20<strong>10</strong> 13/05/20<strong>10</strong> Financial Condition Report for Non-Life Insurance Companies96 <strong>IRDA</strong>/CAGTS/CIR/LCE/082/05/20<strong>10</strong> 17/05/20<strong>10</strong> Clarification - Agency Portal97 <strong>IRDA</strong>/CAS/CIR/EXD/083/05/20<strong>10</strong> 18/05/20<strong>10</strong> Exposure Draft on Standardisation of Terms & Conditions of Unit LinkedInsurance Products and measures for Policyholders’ Protection Regulations98 <strong>IRDA</strong>/ADMN/CIR/GEN/084/05/20<strong>10</strong> 18/05/20<strong>10</strong> Exposure draft on Acquisition of Database99 <strong>IRDA</strong>/CAGTS/CIR/LCE/085/05/20<strong>10</strong> 25/05/20<strong>10</strong> Transfer of Corporate Agency from one insurer to another insurer<strong>10</strong>0 <strong>IRDA</strong>/F&I/CIR/DATA/091/06/20<strong>10</strong> 02/06/20<strong>10</strong> Payment of remuneration paid by commission or otherwise,Section 31B (2) of the Insurance Act, 1938.<strong>10</strong>1 <strong>IRDA</strong>/CAGTS/CIR/LCE/092/06/20<strong>10</strong> 07/06/20<strong>10</strong> Transfer of Corporate Agency from one insurer to another<strong>10</strong>2 <strong>IRDA</strong>/CAGTS/CIR/LCE/093/06/20<strong>10</strong> 07/06/20<strong>10</strong> Inspection of Corporate Agents by the Insurer<strong>10</strong>3 <strong>IRDA</strong>/F&I/CIR/AML/099/06/20<strong>10</strong> 16/06/20<strong>10</strong> Review of AML Guidelines<strong>10</strong>4 <strong>IRDA</strong>/F&I/CIR/EHP/<strong>10</strong>0/06/20<strong>10</strong> 16/06/20<strong>10</strong> Details of Equity holding pattern of Insurance Companies<strong>10</strong>5 <strong>IRDA</strong>/NL/CIR/MISC/<strong>10</strong>1/06/20<strong>10</strong> 17/06/20<strong>10</strong> Standard Proposal Form for Liability only Insurance Cover<strong>10</strong>6 <strong>IRDA</strong>/ACT/CIR/ULIP/<strong>10</strong>2/06/20<strong>10</strong> 19/06/20<strong>10</strong> Elements which shall be incorporated in ULIPs<strong>10</strong>7 <strong>IRDA</strong>/CAGTS/GDL/LCE/<strong>10</strong>6/06/20<strong>10</strong> 28/06/20<strong>10</strong> Guidelines on Issue/Renewal of licence to corporate agents<strong>10</strong>8 <strong>IRDA</strong>/AGTS/ORD/TRNG/<strong>10</strong>9/07/20<strong>10</strong> 06/07/20<strong>10</strong> Computerisation of Insurance Agents Examinations Centres<strong>10</strong>9 <strong>IRDA</strong>/LIFE/CIR/MISC/1<strong>10</strong>/07/20<strong>10</strong> 12/07/20<strong>10</strong> Cancellation of Circulars on Referral Arrangement1<strong>10</strong> <strong>IRDA</strong>/IT/NTC/MIS/111/07/20<strong>10</strong> 14/07/20<strong>10</strong> Implementation of ERP systems stage 1 short listing ofIT Firms for technical Bid215
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>Cont’d... ANNEX 8CIRCULARS / ORDERS / NOTIFICATIONS ISSUED BY THE AUTHORITY FROM APRIL <strong>2009</strong>*111 <strong>IRDA</strong>/BRK/ORD/LC/112/07/20<strong>10</strong> 16/07/20<strong>10</strong> Cancellation of Broker licence112 <strong>IRDA</strong>/F&I/ORD/F&A/114/07/20<strong>10</strong> 19/07/20<strong>10</strong> Levy of penalty113 <strong>IRDA</strong>/F&I/CIR/INV/115/07/20<strong>10</strong> 21/07/20<strong>10</strong> Reporting of OTC Transaction in Certificate of Deposit (CDs)and Commercial Papers (CPs)114 <strong>IRDA</strong>/NL/ORD/RIN/117/07/20<strong>10</strong> 26/07/20<strong>10</strong> Policies issued to M/s Clough Engineering and M/s ONGC-National Insurance Company115 <strong>IRDA</strong>/LIFE/ORD/MISC/120/07/20<strong>10</strong> 26/07/20<strong>10</strong> Approval of Referral Companies116 <strong>IRDA</strong>/NL/ORD/RIN/118/07/20<strong>10</strong> 26/07/20<strong>10</strong> Airport Liability Insurance Policy- National Insurance Company117 <strong>IRDA</strong>/LGL/ORD/ORD/122/07/20<strong>10</strong> 27/07/20<strong>10</strong> Show cause notice to SBI Life Insurance118 <strong>IRDA</strong>/LGL/ORD/ORD/123/07/20<strong>10</strong> 27/07/20<strong>10</strong> Penalty of `<strong>10</strong> lakh on site inspection- SBI Life Insurance119 <strong>IRDA</strong>/ACT/CIR/ULIP/124/08/20<strong>10</strong> 04/08/20<strong>10</strong> Clarifications on ULIPs120 <strong>IRDA</strong>/LIFE/MISC/CIR/125/08/20<strong>10</strong> 05/08/20<strong>10</strong> <strong>IRDA</strong> (Insurance Advertisement and Disclosure)Amendment Regulations, 20<strong>10</strong>121 <strong>IRDA</strong>/LIFE/CIR/MISC/126/08/20<strong>10</strong> 09/08/20<strong>10</strong> Referral arrangement - termination122 <strong>IRDA</strong>/CAGTS/CIR/LCE/127/08/20<strong>10</strong> 11/08/20<strong>10</strong> Transition from referral agreement to Corporate Agency123 <strong>IRDA</strong>/LIFE/MISC/CIR/129/08/20<strong>10</strong> 16/08/20<strong>10</strong> Advertisement of Life Insurance Products124 <strong>IRDA</strong>/NL/ORD/RIN/130/08/20<strong>10</strong> 17/08/20<strong>10</strong> Order of <strong>IRDA</strong> against Oriental Insurance Company Ltd.in the matter relating to Airport Liability Insurance125 <strong>IRDA</strong>/NL/ORD/RIN/132/08/20<strong>10</strong> 17/08/20<strong>10</strong> Order of <strong>IRDA</strong> against UNITED India InsuranceCompany Ltd. in the matter relating to Airport Liability Insurance Policy126 <strong>IRDA</strong>/NL/ORD/RIN/131/08/20<strong>10</strong> 17/08/20<strong>10</strong> Order of <strong>IRDA</strong> against IFFCO Tokio General Insurance Company Ltd.in the matter relating to Airport Liability Insurance Policy127 <strong>IRDA</strong>/F&I/ORD/F&A/133/08/20<strong>10</strong> 20/08/20<strong>10</strong> Order of the <strong>IRDA</strong> against M/s Bharti AXA Life Insurance Company Ltd.128 <strong>IRDA</strong>/F&I/ORD/F&A/134/08/20<strong>10</strong> 20/08/20<strong>10</strong> Order of the <strong>IRDA</strong> against M/s Bharti AXA General Insurance Company Ltd.129 <strong>IRDA</strong>/CAGTS/CIR/LCE/135/08/20<strong>10</strong> 23/08/20<strong>10</strong> PAN Card requirement by Corporate Agents130 <strong>IRDA</strong>/NL/ORD/RIN/136/08/20<strong>10</strong> 24/08/20<strong>10</strong> Electronic Transaction Administration and Settlement System131 <strong>IRDA</strong>/HLT/MISC/CIR/139/08/20<strong>10</strong> 24/08/20<strong>10</strong> Settlement of Health Claim - Cashless basis132 <strong>IRDA</strong>/CAD/CIR/AGN/137/08/20<strong>10</strong> 24/08/20<strong>10</strong> Disclosure of Agency details on Policy Document133 <strong>IRDA</strong>/CHM/ETASS/CIR/142/08/20<strong>10</strong> 31/08/20<strong>10</strong> Exposure Draft on Electronic Transaction andSettlement System Regulations.134 <strong>IRDA</strong>/F&I/ORD/EMT/145/08/20<strong>10</strong> 31/08/20<strong>10</strong> Limit of expenses of management in the first 5 years.135 <strong>IRDA</strong>/BRK/ORD/LC/147/09/20<strong>10</strong> 01/09/20<strong>10</strong> Rejection of Application dated 16.2.20<strong>10</strong> seekinggrant of renewal of composite Broking licence.136 <strong>IRDA</strong>/NL/ORD/RTI/148/09/20<strong>10</strong> 03/09/20<strong>10</strong> Warning and Penalties137 <strong>IRDA</strong>/IT/ORD/MISC/152/09/20<strong>10</strong> 03/09/20<strong>10</strong> Implementation of IGMS System138 <strong>IRDA</strong>/SUR/ORD/LS/153/09/20<strong>10</strong> 06/09/20<strong>10</strong> Suspension of licence of Mr. Sukamal Kumar Choudhury.139 <strong>IRDA</strong>/ACT/CIR/MISC/154/09/20<strong>10</strong> 09/09/20<strong>10</strong> Exposure Draft Composite package of StandardInsurance Product Rural and Social Sector.140 <strong>IRDA</strong>/CAGTS/GDL/LCE/155/09/20<strong>10</strong> 14/09/20<strong>10</strong> Legal Framework to sanction Corporate Agency licenceto Department of Post.141 <strong>IRDA</strong>/F&I/CIR/AML/158/09/20<strong>10</strong> 24/09/20<strong>10</strong> AML/CFT Guidelines for Insurers.142 <strong>IRDA</strong>/NL/CIR/CRE/159/09/20<strong>10</strong> 27/09/20<strong>10</strong> Examination of the credit insurance covers beingmarketed by the General Insurance to Bank.216
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>REGULATIONS FRAMED UNDER THE <strong>IRDA</strong> ACT, 1999 #ANNEX 9SL. No.REGULATIONS1 <strong>IRDA</strong> (Member of Insurance Advisory Committee) Regulations, 20002 <strong>IRDA</strong> (Appointment of Insurance Advisory Committee) Regulations, 20003 <strong>IRDA</strong> (The Insurance Advisory Committee) (Meeting) Regulations, 20004 <strong>IRDA</strong> (Appointed Actuary) Regulations, 20005 <strong>IRDA</strong> (Actuarial Report and Abstract) Regulations, 20006 <strong>IRDA</strong> (Licensing of Insurance Agents) Regulations, 20007 <strong>IRDA</strong> (Assets, Liabilities and Solvency Margin of Insurers) Regulations, 20008 <strong>IRDA</strong> (General Insurance - Reinsurance) Regulations, 20009 <strong>IRDA</strong> (Registration of Indian Insurance Companies) Regulations, 2000<strong>10</strong> <strong>IRDA</strong> (Advertisements and Disclosure) Regulations, 200011 <strong>IRDA</strong> (Obligations of Insurers to Rural or Social Sector) Regulations, 200012 <strong>IRDA</strong> (Meetings) Regulations, 200013 <strong>IRDA</strong> (Preparation of Financial Statement and Auditors’ Report of Insurance Companies)Regulations, 200014 <strong>IRDA</strong> (Investment) Regulations, 200015 <strong>IRDA</strong> (Conditions of Service of Officers and Other Employees) Regulations, 200016 <strong>IRDA</strong> (Insurance Surveyors and Loss Assessors) (Licensing, Professional Requirementsand Code of Conduct) Regulations, 200017 <strong>IRDA</strong> (Life Insurance - Reinsurance) Regulations, 200018 <strong>IRDA</strong> (Investment) (Amendment) Regulations, 200119 <strong>IRDA</strong> (Third Party Administrator - Health Services) Regulations, 200120 <strong>IRDA</strong> (Re-Insurance Advisory Committee) Regulations, 200121 <strong>IRDA</strong> (Investment) (Amendment) Regulations, 200222 <strong>IRDA</strong> (Preparation of Financial Statement and Auditors’ Report of Insurance Companies)Regulations, 200223 <strong>IRDA</strong> (Protection of Policyholders’ Interest) Regulations, 200224 <strong>IRDA</strong> (Insurance Brokers) Regulations, 200225 <strong>IRDA</strong> (Obligations of Insurers to Rural or Social Sectors)(Amendment) Regulations, 200226 <strong>IRDA</strong> (Licensing of Corporate Agents) Regulations, 200227 <strong>IRDA</strong> (Licensing of Insurance Agents) (Amendments) Regulations, 200228 <strong>IRDA</strong> (Protection of Policyholders’ Interest) (Amendments ) Regulations, 200229 <strong>IRDA</strong> (Manner of Receipt of Premium) Regulations, 200230 <strong>IRDA</strong> (Distributions of Surplus) Regulations, 200231 <strong>IRDA</strong> (Registration of Indian Insurance Companies) (Amendment) Regulations,200332 <strong>IRDA</strong> (Investment) (Amendment) Regulations, 200433 <strong>IRDA</strong> (Qualification of Actuary) Regulations, 200434 <strong>IRDA</strong> (Obligations of Insurers to Rural or Social Sectors)(Amendment) Regulations, 200435 <strong>IRDA</strong> (Insurance Advisory Committee) Regulations 200536 <strong>IRDA</strong> (Micro Insurance) 200537 <strong>IRDA</strong> (Maternity Leave) 200538 <strong>IRDA</strong> (Obligation of Insurers to Rural or Social Sectors) (Amendmet) Regulations, 200539 <strong>IRDA</strong> (Reinsurance Cessions) Notification40 <strong>IRDA</strong> (Licencing of Insurance Agents) (Amendment) Regulations, 200741 <strong>IRDA</strong> (Licencing of Corporate Agents) (Amendment) Regulations, 200742 <strong>IRDA</strong> (Insurance Brokers) (Amendment) Regulations, 200743 <strong>IRDA</strong> (Obligation of Insurers to Rural or Social Sectors) (Third Amendment)(Amendment) Regulations, 200844 <strong>IRDA</strong> (Obligation of Insurers to Rural or Social Sectors)(Fourth Amendment) Regulations, 200845 <strong>IRDA</strong> (Registration of Indian Insurance Companies) (Second Amendment) Regulations, 200846 <strong>IRDA</strong> (Conditions of Service of Officers and Other Employees)(Second Amendment) Regulations, 200847 <strong>IRDA</strong> (Investment)(Fourth Amendment)Regulations, 200848 <strong>IRDA</strong> (Insurance Advisory Committee), 200849* <strong>IRDA</strong> (Sharing of database for distribution of Insurance Products) Regulations, 20<strong>10</strong>50* <strong>IRDA</strong> (Treatment of Discounted Linked Insurance Policies) Regulations, 20<strong>10</strong>51* <strong>IRDA</strong> (Insurance Advertisements and Disclosure)(Amendment) Regulations, 20<strong>10</strong>52* <strong>IRDA</strong> (Licencing of Insurance Agents)(Agents) Regulations, 20<strong>10</strong># Notified in the official Gazette. * Issued in 20<strong>10</strong>-11.217
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>218
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>ANNEX <strong>10</strong>ANNUAL STATEMENT OF ACCOUNTSFOR THE YEAR ENDED 31 st MARCH, 20<strong>10</strong>219
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>220
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>Separate Audit Report of the Comptroller & Auditor General of India on theAccounts of Insurance Regulatory and Development Authority (lRDA)for the year ended 31st March 20<strong>10</strong>.We have audited the attached Balance Sheet of Insurance Regulatory and Development Authority (Authority)as on 31 March 20<strong>10</strong> and Income & Expenditure Account / Receipts & Payments Account for the year ended onthat day under Section 19(2) of the Comptroller & Auditor General’s (Duties, Powers & Conditions of Service)Act, 1971 read with Section 17(2) of the Insurance Regulatory and Development Authority Act, 1999. Thesefinancial statements are the responsibility of the Authority’s management. Our responsibility is to express anopinion on these financial statements based on our audit.2. This Separate Audit Report contains the comments of the Comptroller and Auditor General of India (CAG)on the accounting treatment only with regard to classification conformity with the best accounting practice,accounting standards and disclosure norms, etc. Audit observations on financial transactions with regardto compliance with the Law, Rules & Regulations (Propriety and Regularity) and efficiency-cum-performanceaspects, etc., if any are <strong>report</strong>ed through Inspection Report / CAG’s Audit Reports separately.3. We have conducted our audit in accordance with auditing standards generally accepted in India. Thesestandards require that we plan and perform the audit to obtain reasonable assurance about whether thefinancial statements are free from material misstatements. An audit includes examining, on a test basis,evidences supporting the amounts and disclosure in the financial statements. An audit also includesassessing the accounting principles used and significant estimates made by management, as well asevaluating the overall presentation of financial statements. We believe that our audit provides a reasonablebasis for our opinion.4. Based on our audit, we <strong>report</strong> that:(i)(ii)We have obtained all the information and explanations, which to the best of our knowledge andbelief were necessary for the purpose of our audit;The Balance Sheet and Income & Expenditure Account / Receipts & Payments Account dealt withby this <strong>report</strong> have not been drawn up in the common format of accounts prescribed by Ministry ofFinance.(iii) In our opinion, proper books of accounts and other relevant records have been maintained by theInsurance Regulatory and Development Authority as required under Section 17(1) of InsuranceRegulatory and Development Authority Act, 1999 in so far as it appears from our examination ofsuch books.(iv)We further <strong>report</strong> that:A. Balance SheetA.l.LiabilitiesA.l.1. <strong>IRDA</strong> FundThe Insurance Regulatory and Development Authority Act, 1999 provides that all Government grants,fees and charges received by the Authority be credited to the Insurance Regulatory and Development221
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>Authority (<strong>IRDA</strong>) Fund after meeting its day-to-day expenses. The Authority credited `8.93 lakh to the<strong>IRDA</strong> Fund, which represented the value of assets transferred by the Interim Regulatory Authority duringthe year 2000-01. In the Balance Sheet, the Authority showed surplus accumulated balances of `550.57crore under the head “Surplus and Funds” instead of “<strong>IRDA</strong> Fund”. This resulted in understatement of<strong>IRDA</strong> Fund to the extent of `550.57 crore and overstatement of Surplus and Funds.Ministry of Finance had directed the Authority since July, 2002 (latest being in February 2008) that themoneys collected by it should be deposited in the Public Account of India in a non-interest bearing accountand the Authority would be allowed to withdraw specified amounts in the beginning of each year from thePublic Account for meeting its expenditure.Despite this being pointed out by Audit in the previous Audit Reports, the Authority had not taken anyaction in this regard.A.2 AssetsA.2.1. Overstatement of liabilitiesThe Authority has opening balance of advance Renewal fee of `76.<strong>10</strong> crore and during the year it hasreceived total Renewal fee of `133.25 crore as per Receipt and Payment Account. Out of the above totalRenewal fee of `209.35 crore, it has recognized `114.09 crore in Income & Expenditure Account. Hencethe balance amount of `95.26 crore should be shown in the Balance Sheet as advance Renewal fee.However as per Balance Sheet closing balance of Renewal fee is `94.69 crore .The difference needs tobe reconciled.BB.l.GeneralIrregularity in investment managementAs per the investment policy of <strong>IRDA</strong> at least 50% of the funds shall be invested in the Governmentsecurities as defined in the Insurance Act, 1938 and the funds may be invested in the banks. The maximuminvestment with one bank will be restricted to <strong>10</strong>% of the funds or <strong>10</strong>% of the paid capital of the bank.Audit observed that out of total investment of `622.29 crore, in three cases, the Authority had madeinvestments in Fixed Deposits of `258.05 crore in excess of maximum limit of <strong>10</strong>% for each bank providedin the investment policy resulting in violation of the investment policy of <strong>IRDA</strong>.B.2 The Authority had invested `622.29 crore in fixed deposit with scheduled bank and accounted the sameunder the head Investment. This resulted in overstatement of Investment and understatement of currentassets by `622.29 crore.B.3 The Ministry of Finance, Govt. of India has introduced a Common Format of Accounts for CentralAutonomous Bodies / Institutions to bring uniformity and transparency in the accounts. This format ofaccounts was required to be implemented by all Central Autonomous Bodies / Institutions from the year2001-02. However, in cases of Autonomous Bodies governed by separate acts of Parliament andComptroller & Auditor General of India is the sole auditor, the existing format as prescribed in the statuteremain unchanged.222
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>Subsequently Ministry of Finance, Govt. of India vide OM No. F. No. <strong>10</strong>(1) / Misc./2005/TA/ dated 23.7.2006decided that Common Format of Accounts would also be applicable to such Central Autonomous Bodies/Institutions which were exempted earlier. However Insurance Regulatory and Development Authority hasbeen preparing its accounts under section 17(l) of Insurance Regulatory and Development Authority Act1999 which is in contravention of Govt. of India instructions.(v)(vi)(a)(b)Subject to our observations in the preceding paragraphs, we <strong>report</strong> that the Balance sheet andIncome and Expenditure Account / Receipts and Payments Account dealt with by this <strong>report</strong> are inagreement with the books of accounts.In our opinion and to the best of our information and according to the explanations given to us, thesaid financial statements read together with the Accounting Policies and Notes on Accounts, andsubject to the significant matters stated above and other matters mentioned in Annexure to thisAudit Report give a true and fair view in conformity with accounting principles generally accepted inIndia;In so far as it relates to the Balance Sheet, of the state of affairs of the Insurance Regulatory andDevelopment Authority as at 31 March 20<strong>10</strong>; andIn so far as it relates to Income and Expenditure Account of the surplus for the year ended on thatdateFor and on behalf of the C&AG of IndiaPlace: New DelhiDate : 24-11-20<strong>10</strong>Director General of AuditCentral Expenditure223
1. Adequacy of Internal Audit SystemANNUAL REPORT <strong>2009</strong>-<strong>10</strong>ANNEXURE TO AUDIT REPORT• No internal audit department has been set up in the organization nor audit is being conducted bythe Ministry. <strong>IRDA</strong> has outsourced the work of internal audit to a private firm of Chartered Accountantsand the internal audit for the year <strong>2009</strong>-<strong>10</strong> has been carried out.2. System of physical verification of assets• The physical verification of assets had been conducted upto December <strong>2009</strong>.3. System of physical verification of inventory• Physical verification of stationery items had been conducted for the year <strong>2009</strong>-<strong>10</strong>. The Authority didnot provide information on system of physical verification of books and publication, stock of paperand other consumable items.4 Regularity in payment of statutory dues• As per accounts, no payment over six months in respect of statutory dues is pending.224
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>INSURANCE REGULATORY AND DEVELOPMENT AUTHORITYBalance Sheet as at 31 st March, 20<strong>10</strong>FORM - AFIGURES FOR THE LIABILITIES FIGURES FOR THE FIGURES FOR THE ASSETS FIGURES FOR THEPREVIOUS YEAR CURRENT YEAR PREVIOUS YEAR CURRENT YEAR(`.) (`.) (`.) (`.)2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong>GENERAL FUND FIXED ASSETS [See Note 1] as per Annexure I37,962,749 Gross Block of Assets 48,003,241i) <strong>IRDA</strong> Fund [See Note 4] 25,687,802 Less: Depreciation 32,022,254893,244 -At beginning of the year 893,244 12,274,947 Net Block of Assets 15,980,987- -Receipts in the year893,244 -Balance at end of the year 893,244 - Work-in-Progress - <strong>IRDA</strong> Building 20,000,000ii) Capital Fund INVESTMENTS [See Note 2]- -Capital Grants - (Method of Valuation - at Cost]- -Balance at the beginning of the year- Add: Value of Fixed Assets received as grants during the year - i) Securities of Central and State Government- ii) Unitsiii) Surplus and Funds 4,707,374,515 iii) Fixed Deposits with scheduled Bank 6,222,900,0002,916,176,197 -Balance as per last Balance Sheet 4,127,331,218 iv) OthersAdd: Excess of Income over expenditure as per Income1,211,155,021 and Expenditure Account - Annexed 1,378,405,544 CURRENT ASSETS, LOANS AND ADVANCES [See Note 3]Less: Excess of Expenditure Over Income as per Income- and Expenditure Account - Annexed 720,537 i) Deposits with agencies 1,433,5994,127,331,218 - Balance at the end of the year 5,505,736,762 55,140,630 ii) Loans and Advances to Staff 63,739,259<strong>10</strong>6,500 iii) Amount Due from Insurance Companies & Others -- iv) Gift and Donations 154,180,186 iv) Other Current Assets 143,384,308v) Cash & Bank Balances- v) Other Balances 63,723 a) Cash in Hand(including chequesin hand and cash in transit) 52,622LOANS 6,569,550 b) Bank Balances 34,724,536- i) Secured (stating the security offered for the purpose)- ii) Unsecured- iii) Loan from Government of India- iv) Other Loans225
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>INSURANCE REGULATORY AND DEVELOPMENT AUTHORITYBalance Sheet as at 31 st March, 20<strong>10</strong>Cont'd... FORM - AFIGURES FOR THE LIABILITIES FIGURES FOR THE FIGURES FOR THE ASSETS FIGURES FOR THEPREVIOUS YEAR CURRENT YEAR PREVIOUS YEAR CURRENT YEAR(`.) (`.) (`.) (`.)2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong>CURRENT LIABILITIES AND PROVISIONS[See Note 5]i) SUNDRY CREDITORS:58,676 -for Capital Items25,521,239 -for Other Items 18,929,261ii) PROVISIONS:<strong>10</strong>6,500 -Provision for doubtful debts and advances-Provision for depletion in value of investment-Provision for expenses 6,960,174iii) OTHER LIABILITIES:- 1. Unspent Grants- 2. Interest payable to Government/Other Loans3. Provident, Retirement & Other Welfare Funds:757,070 (a) Provident Fund 1,392,984(b) Other Welfare Funds14,2<strong>10</strong>,0<strong>10</strong> (c) Retirement Benefit Fund and Staff Benefit Fund: 19,895,0904. Others (Specify)1,549,804 -other Liabilites (Tax deducted at source) 1,426,458760,958,032 -Registration Renewal fee received in Advance 946,856,096<strong>10</strong>7,377 -Soft Furnishing Recovery 125,2424,937,418 Book Overdraft - Bank of India, Basheerbagh br. CD - 1194,936,430,588 6,502,215,311 4,936,430,588 6,502,215,311Significant Accounting Policies and Notes Forming Part of Accounts - Annexure IXNotes :1 The information relating to Fixed Assets is given in Annexure I.2 The information relating to Investments is given in Annexure II.3 The information relating to Current Assets,Loans and Advances is given in Annexure III.4 Details of <strong>IRDA</strong> Fund is given in Annexure IV (Fund includes grants received from Central Government, other organisations and bodies in terms of Section 16 of the Act).5 Details of Contingent Liabilities is given in Annexure V.6 All information relating to significant accounting policies and notes forming part of accounts is given in Annexure IX.7 All annexures to Statement of Affairs and notes/information relating to accounting policy forming part of Accounts.(N Srinivasa Rao) (G Prabhakara) (R Kannan)FA & CAO Member Member(K K Srinivasan) (R K Nair) (J Hari Narayan)Member Member Chairman226
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>INSURANCE REGULATORY AND DEVELOPMENT AUTHORITYINCOME AND EXPENDITURE ACCOUNT FOR THE YEAR ENDED 31 ST MARCH, 20<strong>10</strong>Form - BFIGURES FOR THE EXPENDITURE FIGURES FOR THE FIGURES FOR THE INCOME FIGURES FOR THEPREVIOUS YEAR CURRENT YEAR PREVIOUS YEAR CURRENT YEAR(`) (`.) (`) (`)(2008-09) (<strong>2009</strong>-<strong>10</strong>) (2008-09) (<strong>2009</strong>-<strong>10</strong>)17,<strong>10</strong>3,354 Payment to Chairperson and Members 20,956,816 - Grants in Aid83,177,191 Payment to and Provision for members of Staff [See Note 1] 98,667,761 - Received -67,<strong>10</strong>3,197 Establishment Expenses [See Note 2] 61,492,673 - Receivable -9,902,866 Rent 5,951,759 - Less: Transferred to Capital Fund -- Research & Consultation Fees 11,412,683 - Fees:- Seminars,Conference, Publications, etc. 5,308,705 - Registration Fees- Interest [See Note 3] 2,752,030 Surveyors Fees 2,687,2114,379,975 Depreciation 6,334,453 350,000 Registration Fee- Insurer <strong>10</strong>0,000- Capital Assets Written Off - Registration Fees - Agents -- Loss on Write Off of Asset - 1,691,000 Registration Fee- Broker 20,000- Provison for doubtful debts and advances - Registration Fees - TPA -- Development Expenditure25,607,734 Promotional Expenditure 7,473,608275,240 Other Expenses 183,769 Renewal Fees2,149,862 Fringe Benefit Tax - 572,857,261 Renewal of Licences - Insurer 730,009,0771,211,155,021 Excess of Income Over Expendiutre for theyear carried down 1,378,405,544 443,519,850 Renewal of Licence - Agents 382,132,30021,632,405 Renewal of Licence-Brokers 28,694,833360,000 Renewal of Licence - TPA 60,<strong>10</strong>0Others1,612,842 Penalties,Fines etc. 6,500,000- Seminar, Conferences and Publications etc.Income from investments - Interest on depositswith Scheduled Banks373,904,371 Interest on Deposits 442,157,515Interest on advances -1,974,671 i) granted to members of staff for housing purposes 2,777,571- ii) Others -200,0<strong>10</strong> Miscellaneous Income 1,049,1641,420,854,440 1,596,187,771 1,420,854,440 1,596,187,771Significant Accounting Policies and Notes Forming Part of Accounts - Annexure IXNotes 1 The information relating to payment to and provision for employees is given in Annexure VI.2 The information relating to establishment expenses is given in Annexure VII.3 The information relating to interest amount is given in Anenxure VIII.4 All Annexures to Income and Expenditure Account and Notes/Information relating to Significant Accounting Policies form part of accounts.(N Srinivasa Rao) (G Prabhakara) (R Kannan)FA & CAO Member Member(K K Srinivasan) (R K Nair) (J Hari Narayan)Member Member Chairman227
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>INSURANCE REGULATORY AND DEVELOPMENT AUTHORITYRECEIPTS AND PAYMENTS ACCOUNT FOR THE YEAR ENDED 31 st MARCH, 20<strong>10</strong>FORM - CSl.No. RECEIPTS ` Sl.No. PAYMENTS `1 To Balance brought forward 1 By Research and Consultation Fees 11,397,683Cash at Bank 1,632,132 2 By Seminars, Conference, Publications etc. 13,840,064Cash in hand 63,723 3 By Rent Payments 5,806,022Cheques on hand - 4 By Development ExpenditureCash / Cheques in transit - 5 By Promotional Expenditure 9,002,9852 To Registration Fees 6 By Payment to Chairperson and MembersInsurance Companies <strong>10</strong>0,000 (i) Pay and Allowances 16,169,659Third Party Administrators - (ii) Other Benefits 4,060,576Insurance Brokers 20,000 (iii) Travelling Expenses 4,200,197Insurance Agents - 7 By Establishment ExpensesInsurance Surveyor 2,687,211 (i) Pay and Allowances 76,048,084Others (ii) Other Benefits 24,367,0603 To Registration Renewal Fees (iii) Travelling Expenses 12,269,117Insurance Companies 845,841,494 (iv) Retirement Benefits 9,712,139Third Party Administrators 60,<strong>10</strong>0 8 By Office Expenses 22,090,687Insurance Surveyors - 9 By Interest onInsurance Agents 457,970,820 (i) Government LoansInsurance Brokers 28,634,833 (ii) Other LoansOthers <strong>10</strong> By Purchase of Assets 7,<strong>10</strong>8,7364 To Penalties,Fines from insurers and intermediaries 6,500,000 11 By Capital Work-in-Progress <strong>10</strong>,000,0005 To Seminar,Conferences etc. - 12 By Advances to staff and others including travel advance 17,779,6646 To Income from Investments - 13 By Investments 6,332,800,0007 To Sale of Investments 4,817,274,515 14 By Repayment of Government Loans/ fees8 To Grants 15 By Repayment of Other Loansi) Central Government / State Govt/ Others - 16 By Other Expenses 316,892ii) Gift and Donations - 17 By Fringe Benefit Tax9 To Loans - 18 By Security deposit paid 762,876228
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>INSURANCE REGULATORY AND DEVELOPMENT AUTHORITYRECEIPTS AND PAYMENTS ACCOUNT FOR THE YEAR ENDED 31 st MARCH, 20<strong>10</strong>Cont'd... FORM - CSl.No. RECEIPTS ` Sl.No. PAYMENTS `<strong>10</strong> To Sales of Publication etc. - 19 By Balance carried forward11 To Sale of Assets - (i) Cash at Bank(a) Bank of India, Basheerbagh Br, A/C -119 8,941,09612 To interest received on (b) Bank of India, Basheerbagh Br, A/C -1938 25,241,319Deposits 448,250,920 (c) ICICI Bank, Himayatnagar Br 21,987Advances (d) IOB 4,999Others (e) State Bank of India, Parisrama Bhavan Br 515,13413 To Recoveries from Employees (ii) Cash in hand(a) Loans and Advances 2,726,345 <strong>IRDA</strong> Hyderabad 35,000(b) Interest on Loans and Advances Delhi Office 7,622(c) Misc. Recoveries Delhi Guest House <strong>10</strong>,00014 To Other Receipts (iii) Cheques in hand(a) Miscellaneous Income 660,547 (iv) Cash/ Cheques in Transit(b) Security deposit from Contractors(c) Security deposit received back(d) Interest on Bank Account 802(e) TDS on Contractors 86,15715 To Balance Carried Forward (Book Overdraft)Bank of India, Basheerbagh Br., A/C -1196,612,509,599 6,612,509,599(N Srinivasa Rao) (G Prabhakara) (R Kannan)FA & CAO Member Member(K K Srinivasan) (R K Nair) (J Hari Narayan)Member Member Chairman229
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>INSURANCE REGULATORY AND DEVELOPMENT AUTHORITYSchedule of Fixed Assets annexured to and forming part of Balance Sheet as on 31 st March, 20<strong>10</strong>ANNEXURE IGross block Depreciation Net blockCost as on Additions Sold/Disposed Total as on As on For the Adjustments As on As on As onParticulars 01.04.<strong>2009</strong> During the Off During the 31.03.20<strong>10</strong> 01.04.<strong>2009</strong> Year 31.03.20<strong>10</strong> 31.03.20<strong>10</strong> 31.03.<strong>2009</strong>Year YearOffice Premises(a) Land <strong>10</strong>,000 - - <strong>10</strong>,000 - - - - <strong>10</strong>,000 <strong>10</strong>,000(b) Building - - - - - - - - - -Residential Flats(a) Land - - - - - - - - - -(b) Building - - - - - - - - - -Vehicles 1,097,544 - - 1,097,544 519,907 149,551 669,458 428,086 577,637Equipments 6,555,741 422,945 - 6,978,686 3,619,901 551,377 13,057 4,158,222 2,820,464 2,935,840Furniture and Fixtures 8,718,681 3,454,483 - 12,173,164 4,684,439 1,541,440 - 6,225,879 5,947,285 4,034,242Computers 20,758,059 5,494,714 12,716 26,240,057 16,040,831 3,424,076 19,464,906 6,775,151 4,717,228Books 822,724 681,066 - 1,503,790 822,724 681,066 1,503,790 - -Total 37,962,749 <strong>10</strong>,053,208 12,716 48,003,241 25,687,801 6,347,5<strong>10</strong> 13,057 32,022,254 15,980,987 12,274,948(N Srinivasa Rao) (K K Srinivasan) (R K Nair) (G Prabhakara) (R Kannan) (J Hari Narayan)FA & CAO Member Member Member Member Chairman230
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>INSURANCE REGULATORY AND DEVELOPMENT AUTHORITYStatement of interest accrued but not due on fixed deposits as on 31 st March, 20<strong>10</strong>ANNEXURE-IIDeposited with Start Date FDR No Amount % of interest Maturity Date Days to No of days Interest accruedof Deposit Maturity till 31-3-20<strong>10</strong> but not dueKarur Vysya Bank 4-Apr-09 14<strong>10</strong>515000000341/1 20000000 9.00% 4-Apr-<strong>10</strong> 365 362 1846365Bank of India, Basheerbagh 6-Apr-09 8601451<strong>10</strong>000913 3000000 8.00% 6-Apr-<strong>10</strong> 365 360 243908Bank of India, Basheerbagh 13-Apr-09 8601451<strong>10</strong>000919 9600000 8.00% 13-Apr-<strong>10</strong> 365 353 765332Bank of India, Basheerbagh 13-Apr-09 8601451<strong>10</strong>000920 9600000 8.00% 13-Apr-<strong>10</strong> 365 353 765332Bank of India, Basheerbagh 13-Apr-09 8601451<strong>10</strong>000921 9600000 8.00% 13-Apr-<strong>10</strong> 365 353 765332Bank of India, Basheerbagh 13-Apr-09 8601451<strong>10</strong>000922 9600000 8.00% 13-Apr-<strong>10</strong> 365 353 765332Bank of India, Basheerbagh 13-Apr-09 8601451<strong>10</strong>000923 9600000 8.00% 13-Apr-<strong>10</strong> 365 353 765332Bank of India, Basheerbagh 13-Apr-09 8601451<strong>10</strong>000924 9000000 8.00% 13-Apr-<strong>10</strong> 365 353 717498Bank of India, Basheerbagh 13-Apr-09 8601451<strong>10</strong>000925 9000000 8.00% 13-Apr-<strong>10</strong> 365 353 717498Bank of India, Basheerbagh 13-Apr-09 8601451<strong>10</strong>000926 9000000 8.00% 13-Apr-<strong>10</strong> 365 353 717498Bank of India, Basheerbagh 13-Apr-09 8601451<strong>10</strong>000927 9000000 8.00% 13-Apr-<strong>10</strong> 365 353 717498Andhra Bank 15-Apr-09 35020<strong>10</strong>0002166 9000000 8.00% 15-Apr-<strong>10</strong> 365 351 713433Andhra Bank 15-Apr-09 233001 9000000 8.00% 15-Apr-<strong>10</strong> 365 351 713433Andhra Bank 15-Apr-09 320030 9000000 8.00% 15-Apr-<strong>10</strong> 365 351 713433Karur Vysya Bank, RP Road 15-Apr-09 14<strong>10</strong>515000000341/3 30000000 8.75% 15-Apr-<strong>10</strong> 365 351 2608359Andhra Bank 21-Apr-09 411735 9800000 7.50% 21-Apr-<strong>10</strong> 365 345 7145<strong>10</strong>Andhra Bank 21-Apr-09 320033 9800000 7.50% 21-Apr-<strong>10</strong> 365 345 7145<strong>10</strong>Karur Vysya Bank, RP Road 21-Apr-09 14<strong>10</strong>516000027561/4 30000000 8.75% 21-Apr-<strong>10</strong> 365 345 2563772State Bank of India - PB 21-Apr-09 30747391172 9800000 7.75% 21-Apr-<strong>10</strong> 365 345 739017State Bank of India - PB 21-Apr-09 30747391648 9800000 7.75% 21-Apr-<strong>10</strong> 365 345 739017State Bank of India - PB 21-Apr-09 30747392041 9800000 7.75% 21-Apr-<strong>10</strong> 365 345 739017State Bank of India - PB 21-Apr-09 30747397639 9800000 7.75% 21-Apr-<strong>10</strong> 365 345 739017State Bank of India - PB 21-Apr-09 307473985<strong>10</strong> 9800000 7.75% 21-Apr-<strong>10</strong> 365 345 739017State Bank of India - PB 21-Apr-09 30747398906 9800000 7.75% 21-Apr-<strong>10</strong> 365 345 739017State Bank of India - PB 4-May-09 30756075767 9000000 7.50% 4-May-<strong>10</strong> 365 332 631458State Bank of India - PB 4-May-09 30756076318 6000000 7.50% 4-May-<strong>10</strong> 365 332 420971Canara Bank 13-May-09 178740<strong>10</strong>02245/16 9000000 7.50% 13-May-<strong>10</strong> 365 323 614339Canara Bank 13-May-09 178740<strong>10</strong>02245/17 9000000 7.50% 13-May-<strong>10</strong> 365 323 614339Canara Bank 13-May-09 178740<strong>10</strong>02245/18 9000000 7.50% 13-May-<strong>10</strong> 365 323 614339Canara Bank 13-May-09 178740<strong>10</strong>02245/19 9000000 7.50% 13-May-<strong>10</strong> 365 323 614339State Bank of India - PB 13-May-09 30763075714 9000000 7.50% 13-May-<strong>10</strong> 365 323 614340State Bank of India - PB 13-May-09 30763075522 9000000 7.50% 13-May-<strong>10</strong> 365 323 614340State Bank of India - PB 13-May-09 30763075373 9000000 7.50% 13-May-<strong>10</strong> 365 323 614340Syndicate Bank 1-Jun-09 30114050023376/1 9000000 7.50% 2-Jun-<strong>10</strong> 366 304 578276Syndicate Bank 1-Jun-09 30114050023376/3 9000000 7.50% 2-Jun-<strong>10</strong> 366 304 578276231
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>INSURANCE REGULATORY AND DEVELOPMENT AUTHORITYStatement of interest accrued but not due on fixed deposits as on 31 st March, 20<strong>10</strong>Contd. ANNEXURE-IIDeposited with Start Date FDR No Amount % of interest Maturity Date Days to No of days Interest accruedof Deposit Maturity till 31-3-20<strong>10</strong> but not dueSyndicate Bank 1-Jun-09 30114050023376/4 9000000 7.50% 2-Jun-<strong>10</strong> 366 304 578276Syndicate Bank 1-Jun-09 30114050023376/2 9000000 7.50% 2-Jun-<strong>10</strong> 366 304 578276Vijaya Bank 19-Jun-09 40030331<strong>10</strong>00516 9000000 7.50% 19-Jun-<strong>10</strong> 365 286 543967Vijaya Bank 19-Jun-09 40030331<strong>10</strong>00517 9000000 7.50% 19-Jun-<strong>10</strong> 365 286 543967Vijaya Bank 19-Jun-09 40030331<strong>10</strong>00518 9000000 7.50% 19-Jun-<strong>10</strong> 365 286 543967Indian Bank 25-Jun-09 841653952 9000000 7.50% 25-Jun-<strong>10</strong> 365 280 532555Indian Bank 25-Jun-09 841654275 9000000 7.50% 25-Jun-<strong>10</strong> 365 280 532555Indian Bank 25-Jun-09 841653849 9000000 7.50% 25-Jun-<strong>10</strong> 365 280 532555Vijaya Bank 25-Jun-09 40030331<strong>10</strong>00521 9000000 7.50% 25-6-20<strong>10</strong> 365 280 532555Vijaya Bank 25-Jun-09 40030331<strong>10</strong>00520 9000000 7.50% 25-6-20<strong>10</strong> 365 280 532555Indian Bank 30-Jun-09 842465094 9000000 7.50% 30-Jun-<strong>10</strong> 365 275 523045Indian Bank 30-Jun-09 842465049 9000000 7.50% 30-Jun-<strong>10</strong> 365 275 523045Indian Bank 30-Jun-09 842465016 9000000 7.50% 30-Jun-<strong>10</strong> 365 275 523045Indian Bank 30-Jun-09 842464975 9000000 7.50% 30-Jun-<strong>10</strong> 365 275 523045Indian Bank 30-Jun-09 842464567 9000000 7.50% 30-Jun-<strong>10</strong> 365 275 523045Vijaya Bank 30-Jun-09 40030331<strong>10</strong>00524 9000000 7.50% 30-Jun-<strong>10</strong> 365 275 523045Vijaya Bank 30-Jun-09 40030331<strong>10</strong>00525 9000000 7.50% 30-Jun-<strong>10</strong> 365 275 523045Vijaya Bank 30-Jun-09 40030331<strong>10</strong>00526 9000000 7.50% 30-Jun-<strong>10</strong> 365 275 523045Andhra Bank <strong>10</strong>-Jul-09 412269 9000000 7.25% <strong>10</strong>-Jul-<strong>10</strong> 365 265 486769Andhra Bank <strong>10</strong>-Jul-09 213990 9000000 7.25% <strong>10</strong>-Jul-<strong>10</strong> 365 265 486769Vijaya Bank <strong>10</strong>-Jul-09 40030331<strong>10</strong>00581 9000000 7.25% <strong>10</strong>-Jul-<strong>10</strong> 365 265 486769Vijaya Bank <strong>10</strong>-Jul-09 40030331<strong>10</strong>00582 9000000 7.25% <strong>10</strong>-Jul-<strong>10</strong> 365 265 486769Canara Bank 20-Jul-09 178740<strong>10</strong>02245/20 9000000 7.00% 20-Jul-<strong>10</strong> 365 255 451826Canara Bank 20-Jul-09 178740<strong>10</strong>02245/21 9000000 7.00% 20-Jul-<strong>10</strong> 365 255 451826Canara Bank 20-Jul-09 178740<strong>10</strong>02245/22 9000000 7.00% 20-Jul-<strong>10</strong> 365 255 451826Andhra Bank 21-Jul-09 349228 9000000 7.25% 21-Jul-<strong>10</strong> 365 254 466563Andhra Bank 21-Jul-09 2140<strong>10</strong> 9000000 7.25% 21-Jul-<strong>10</strong> 365 254 466563State Bank of India - PB 21-Jul-09 30831816486 9000000 7.00% 21-Jul-<strong>10</strong> 365 254 450054State Bank of India - PB 21-Jul-09 30831815982 9000000 7.00% 21-Jul-<strong>10</strong> 365 254 450054Syndicate Bank 21-Jul-09 30114050023376/5 9000000 7.00% 21-Jul-<strong>10</strong> 365 254 450054Syndicate Bank 21-Jul-09 30114050023376/6 9000000 7.00% 21-Jul-<strong>10</strong> 365 254 450054Andhra Bank 22-Jul-09 70495 9000000 7.25% 22-Jul-<strong>10</strong> 365 253 464726Andhra Bank 22-Jul-09 214014 9000000 7.25% 22-Jul-<strong>10</strong> 365 253 464726State Bank of Bikaner & Jaipur 22-Jul-09 6<strong>10</strong>75<strong>10</strong>6370 9000000 7.25% 22-Jul-<strong>10</strong> 365 253 464726State Bank of Bikaner & Jaipur 22-Jul-09 6<strong>10</strong>75<strong>10</strong>6472 9000000 7.25% 23-Jul-<strong>10</strong> 366 253 464785232
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>INSURANCE REGULATORY AND DEVELOPMENT AUTHORITYStatement of interest accrued but not due on fixed deposits as on 31 st March, 20<strong>10</strong>Contd. ANNEXURE-IIDeposited with Start Date FDR No Amount % of interest Maturity Date Days to No of days Interest accruedof Deposit Maturity till 31-3-20<strong>10</strong> but not dueState Bank of Bikaner& Jaipur 22-Jul-09 6<strong>10</strong>75<strong>10</strong>6563 9000000 7.25% 24-Jul-<strong>10</strong> 367 253 464842Vijaya Bank 22-Jul-09 40030331<strong>10</strong>00606 9000000 7.25% 22-Jul-<strong>10</strong> 365 253 464726Vijaya Bank 22-Jul-09 40030331<strong>10</strong>00607 9000000 7.25% 23-Jul-<strong>10</strong> 366 253 464785Canara Bank <strong>10</strong>-Aug-09 178740<strong>10</strong>02245/23 9000000 7.00% <strong>10</strong>-Aug-<strong>10</strong> 365 234 414617State Bank of Hyderabad <strong>10</strong>-Aug-09 62<strong>10</strong>3332019 9000000 7.00% <strong>10</strong>-Aug-<strong>10</strong> 365 234 414617State Bank of Hyderabad <strong>10</strong>-Aug-09 62<strong>10</strong>3331852 9000000 7.00% <strong>10</strong>-Aug-<strong>10</strong> 365 234 414617State Bank of Hyderabad <strong>10</strong>-Aug-09 62<strong>10</strong>3331945 9000000 7.00% <strong>10</strong>-Aug-<strong>10</strong> 365 234 414617Andhra Bank 19-Aug-09 052220<strong>10</strong>0040883 9000000 7.00% 19-Aug-<strong>10</strong> 365 225 398670State Bank of Hyderabad 19-Aug-09 62<strong>10</strong>4272807 9000000 7.00% 19-Aug-<strong>10</strong> 365 225 398670Canara Bank 20-Aug-09 300340<strong>10</strong>00154/1 9000000 7.00% 20-Aug-<strong>10</strong> 365 224 396898Andhra Bank 25-Aug-09 052220<strong>10</strong>0041402 9000000 7.00% 25-Aug-<strong>10</strong> 365 219 388039Syndicate Bank 25-Aug-09 30114050023376/7 9000000 7.00% 25-Aug-<strong>10</strong> 365 219 388039Syndicate Bank 25-Aug-09 30114050023376/8 9000000 7.00% 25-Aug-<strong>10</strong> 365 219 388039Andhra Bank 1-Sep-09 052220<strong>10</strong>0041989 9000000 7.00% 1-Sep-<strong>10</strong> 365 212 375636Syndicate Bank 1-Sep-09 30114050023376/11 9000000 7.00% 1-Sep-<strong>10</strong> 365 212 375636Syndicate Bank 1-Sep-09 30114050023376/9 9000000 7.00% 1-Sep-<strong>10</strong> 365 212 375636Syndicate Bank 1-Sep-09 30114050023376/<strong>10</strong> 9000000 7.00% 1-Sep-<strong>10</strong> 365 212 375636Indian Bank 8-Sep-09 200653 9000000 7.00% 8-Sep-<strong>10</strong> 365 205 363232Syndicate Bank 8-Sep-09 30114050023376/12 9000000 7.00% 8-Sep-<strong>10</strong> 365 205 363232Canara Bank 24-Sep-09 178740<strong>10</strong>02245/24 9000000 7.00% 24-Sep-<strong>10</strong> 365 189 334883State Bank of Hyderabad 24-Sep-09 62<strong>10</strong>8354016 9000000 7.00% 24-Sep-<strong>10</strong> 365 189 334883Syndicate Bank 24-Sep-09 30114050023376/13 9000000 7.00% 24-Sep-<strong>10</strong> 365 189 334883Andhra Bank 29-Sep-09 052220<strong>10</strong>0043969 9000000 7.00% 29-Sep-<strong>10</strong> 365 184 326023Syndicate Bank 29-Sep-09 30754050005221/3 9000000 7.00% 29-Sep-<strong>10</strong> 365 184 326023Syndicate Bank 29-Sep-09 30754050005221/4 9000000 7.00% 29-Sep-<strong>10</strong> 365 184 326023Syndicate Bank 1-Oct-09 30044050017969/39 9900000 7.00% 1-Oct-<strong>10</strong> 365 182 354728Syndicate Bank 1-Oct-09 30754050005221/5 9500000 7.00% 1-Oct-<strong>10</strong> 365 182 340395Syndicate Bank 3-Oct-09 30044050017969/40 9<strong>10</strong>0000 7.00% 3-Oct-<strong>10</strong> 365 180 322480Andhra Bank 6-Oct-09 0151120<strong>10</strong>0008957 9000000 7.00% 6-Oct-<strong>10</strong> 365 177 313620Andhra Bank 6-Oct-09 052220<strong>10</strong>0044612 9000000 7.00% 6-Oct-<strong>10</strong> 365 177 313620Andhra Bank 6-Oct-09 0134020<strong>10</strong>0015832 9000000 7.00% 6-Oct-<strong>10</strong> 365 177 313620Canara Bank 6-Oct-09 178740<strong>10</strong>02245/26 9000000 7.00% 6-Oct-<strong>10</strong> 365 177 313620Canara Bank 6-Oct-09 178740<strong>10</strong>02245/25 9000000 7.00% 6-Oct-<strong>10</strong> 365 177 313620Syndicate Bank 6-Oct-09 30114580000048/5 36000000 6.00% 6-Oct-<strong>10</strong> 365 177 <strong>10</strong>71256233
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>INSURANCE REGULATORY AND DEVELOPMENT AUTHORITYStatement of interest accrued but not due on fixed deposits as on 31 st March, 20<strong>10</strong>Contd. ANNEXURE-IIDeposited with Start Date FDR No Amount % of interest Maturity Date Days to No of days Interest accruedof Deposit Maturity till 31-3-20<strong>10</strong> but not dueIndian Overseas Bank 6-Oct-09 672802/5<strong>10</strong>901250 9000000 7.00% 6-Oct-<strong>10</strong> 365 177 313621Indian Overseas Bank 6-Oct-09 672803/5<strong>10</strong>901251 9000000 7.00% 6-Oct-<strong>10</strong> 365 177 313621Indian Overseas Bank 6-Oct-09 672801/5<strong>10</strong>901252 9000000 7.00% 6-Oct-<strong>10</strong> 365 177 313621Indian Overseas Bank 6-Oct-09 672/805/5<strong>10</strong>901253 9000000 7.00% 6-Oct-<strong>10</strong> 365 177 313621Syndicate Bank 14-Oct-09 30114580000048/4 36000000 6.00% 14-Oct-<strong>10</strong> 365 169 <strong>10</strong>22838Andhra Bank 29-Oct-09 52220<strong>10</strong>0046364 9000000 7.00% 29-Oct-<strong>10</strong> 365 154 272867Vijaya Bank 29-Oct-09 40680331<strong>10</strong>00335 9000000 7.00% 29-Oct-<strong>10</strong> 365 154 272867Bank of India, Basheerbagh 9-Nov-09 8601451<strong>10</strong>00<strong>10</strong>70 40000000 6.00% 9-Nov-<strong>10</strong> 365 143 961642Indian Bank 9-Nov-09 348531 40000000 6.00% 9-Nov-<strong>10</strong> 365 143 961642Andhra Bank 19-Nov-09 52220<strong>10</strong>0048113 27000000 5.75% 19-Nov-<strong>10</strong> 365 133 578021Syndicate Bank 19-Nov-09 30114580000048/8 26000000 5.50% 19-Nov-<strong>10</strong> 365 133 531914HDFC Bank 19-Nov-09 5214540000022 9000000 6.00% 20-Nov-<strong>10</strong> 366 133 201259HDFC Bank 19-Nov-09 5214540000049 9000000 6.00% 22-Nov-<strong>10</strong> 368 133 201300HDFC Bank 19-Nov-09 5214540000032 9000000 6.00% 21-Nov-<strong>10</strong> 367 133 201280Indian Bank 20-Nov-09 348563 25000000 6.00% 20-Nov-<strong>10</strong> 365 132 554794Indian Bank 2-Dec-09 <strong>2009</strong>50 30000000 5.50% 2-Dec-<strong>10</strong> 365 120 553757Indian Bank <strong>10</strong>-Dec-09 <strong>2009</strong>81 20000000 5.50% <strong>10</strong>-Dec-<strong>10</strong> 365 112 344560Syndicate Bank <strong>10</strong>-Dec-09 30114580000048/7 20000000 5.50% 11-Dec-<strong>10</strong> 366 112 344592Bank of India, Basheerbagh 11-Dec-09 8601451<strong>10</strong>001<strong>10</strong>2 40000000 6.00% 11-Dec-<strong>10</strong> 365 111 746450Bank of India, Basheerbagh 15-Dec-09 8601451<strong>10</strong>001<strong>10</strong>8 60000000 6.00% 15-Dec-<strong>10</strong> 365 <strong>10</strong>7 <strong>10</strong>79326Bank of India, Basheerbagh 15-Dec-09 8601451<strong>10</strong>001<strong>10</strong>9 9500000 6.50% 15-Dec-<strong>10</strong> 365 <strong>10</strong>7 185481State Bank of Hyderabad 15-Dec-09 62117331509 20000000 6.00% 15-Dec-<strong>10</strong> 365 <strong>10</strong>7 359775State Bank of India - PB 15-Dec-09 30992850126 9000000 6.00% 15-Dec-<strong>10</strong> 365 <strong>10</strong>7 161899State Bank of India - PB 15-Dec-09 30992849961 9000000 6.00% 15-Dec-<strong>10</strong> 365 <strong>10</strong>7 161899State Bank of India - PB 15-Dec-09 30992849790 9000000 6.00% 15-Dec-<strong>10</strong> 365 <strong>10</strong>7 161899State Bank of India - PB 15-Dec-09 30992849575 9000000 6.00% 15-Dec-<strong>10</strong> 365 <strong>10</strong>7 161899State Bank of India - PB 15-Dec-09 30992849451 9000000 6.00% 15-Dec-<strong>10</strong> 365 <strong>10</strong>7 161899State Bank of India - PB 15-Dec-09 30992849235 9000000 6.00% 15-Dec-<strong>10</strong> 365 <strong>10</strong>7 161899State Bank of India - PB 15-Dec-09 30992850308 6000000 6.00% 15-Dec-<strong>10</strong> 365 <strong>10</strong>7 <strong>10</strong>7933Andhra Bank 16-Dec-09 1<strong>10</strong>320<strong>10</strong>0012330 9500000 6.50% 16-Dec-<strong>10</strong> 365 <strong>10</strong>6 183747Andhra Bank 16-Dec-09 52220<strong>10</strong>0050066 9500000 6.50% 16-Dec-<strong>10</strong> 365 <strong>10</strong>6 183747Andhra Bank 16-Dec-09 134020<strong>10</strong>0018361 9500000 6.50% 16-Dec-<strong>10</strong> 365 <strong>10</strong>6 183747Andhra Bank 16-Dec-09 53320<strong>10</strong>0013737 9500000 6.50% 16-Dec-<strong>10</strong> 365 <strong>10</strong>6 183747Andhra Bank 16-Dec-09 151120<strong>10</strong>00<strong>10</strong>059 9500000 6.50% 16-Dec-<strong>10</strong> 365 <strong>10</strong>6 183747Bank of India, Basheerbagh 16-Dec-09 8601451<strong>10</strong>001111 9500000 6.50% 16-Dec-<strong>10</strong> 365 <strong>10</strong>6 183747234
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>INSURANCE REGULATORY AND DEVELOPMENT AUTHORITYStatement of interest accrued but not due on fixed deposits as on 31 st March, 20<strong>10</strong>Contd. ANNEXURE-IIDeposited with Start Date FDR No Amount % of interest Maturity Date Days to No of days Interest accruedof Deposit Maturity till 31-3-20<strong>10</strong> but not dueBank of India, Basheerbagh 16-Dec-09 8601451<strong>10</strong>001112 9500000 6.50% 16-Dec-<strong>10</strong> 365 <strong>10</strong>6 183747Bank of India, Basheerbagh 21-Dec-09 8601451<strong>10</strong>001115 <strong>10</strong>0000000 6.00% 21-Dec-<strong>10</strong> 365 <strong>10</strong>1 1698005Bank of India, Basheerbagh 21-Dec-09 8601451<strong>10</strong>001116 50000000 6.00% 21-Dec-<strong>10</strong> 365 <strong>10</strong>1 849003Punjab National Bank 21-Dec-09 423900GR00000021 50000000 6.00% 21-Dec-<strong>10</strong> 365 <strong>10</strong>1 849003Punjab National Bank 21-Dec-09 423900GR00000049 30000000 6.00% 21-Dec-<strong>10</strong> 365 <strong>10</strong>1 509402State Bank of India - PB 21-Dec-09 30997798624 5000000 6.00% 21-Dec-<strong>10</strong> 365 <strong>10</strong>1 84900State Bank of India - PB 21-Dec-09 309977984<strong>10</strong> 9000000 6.00% 21-Dec-<strong>10</strong> 365 <strong>10</strong>1 152820State Bank of India - PB 21-Dec-09 30997798158 9000000 6.00% 21-Dec-<strong>10</strong> 365 <strong>10</strong>1 152820State Bank of India - PB 21-Dec-09 30997797993 9000000 6.00% 21-Dec-<strong>10</strong> 365 <strong>10</strong>1 152820State Bank of India - PB 21-Dec-09 30997797802 9000000 6.00% 21-Dec-<strong>10</strong> 365 <strong>10</strong>1 152820State Bank of India - PB 21-Dec-09 30997797529 9000000 6.00% 21-Dec-<strong>10</strong> 365 <strong>10</strong>1 152820Andhra Bank 22-Dec-09 50520<strong>10</strong>0014879 30000000 6.00% 22-Dec-<strong>10</strong> 365 <strong>10</strong>0 504358Andhra Bank 22-Dec-09 52226<strong>10</strong>0050464 20000000 6.00% 22-Dec-<strong>10</strong> 365 <strong>10</strong>0 336239Bank of India, Basheerbagh 22-Dec-09 8601451<strong>10</strong>001118 50000000 6.00% 22-Dec-<strong>10</strong> 365 <strong>10</strong>0 840597Karur Vysya Bank 22-Dec-09 14<strong>10</strong>50<strong>10</strong>00073622/1 30000000 6.60% 22-Dec-<strong>10</strong> 365 <strong>10</strong>0 556040State Bank of India - PB 22-Dec-09 30999833737 4000000 6.00% 22-Dec-<strong>10</strong> 365 <strong>10</strong>0 67248State Bank of India - PB 22-Dec-09 30999834481 9000000 6.00% 22-Dec-<strong>10</strong> 365 <strong>10</strong>0 151307State Bank of India - PB 22-Dec-09 30999834196 9000000 6.00% 22-Dec-<strong>10</strong> 365 <strong>10</strong>0 151307State Bank of India - PB 22-Dec-09 30999833953 9000000 6.00% 22-Dec-<strong>10</strong> 365 <strong>10</strong>0 151307State Bank of India - PB 22-Dec-09 30999834356 9000000 6.00% 22-Dec-<strong>10</strong> 365 <strong>10</strong>0 151307Lakshmi Vilas Bank 22-Dec-09 29712<strong>10</strong>0002<strong>10</strong>38/1 40000000 6.75% 22-Dec-<strong>10</strong> 365 <strong>10</strong>0 758662Andhra Bank 23-Dec-09 52220<strong>10</strong>0050525 9000000 6.50% 23-Dec-<strong>10</strong> 365 99 162581Andhra Bank 23-Dec-09 134020<strong>10</strong>0018565 9000000 6.50% 23-Dec-<strong>10</strong> 365 99 162581Andhra Bank 23-Dec-09 151120<strong>10</strong>00<strong>10</strong>129 9000000 6.50% 23-Dec-<strong>10</strong> 365 99 162581Bank of India, Basheerbagh 23-Dec-09 8601451<strong>10</strong>001123 9000000 6.50% 23-Dec-<strong>10</strong> 365 99 162581Bank of India, Basheerbagh 23-Dec-09 8601451<strong>10</strong>001122 9000000 6.50% 23-Dec-<strong>10</strong> 365 99 162581Canara Bank 23-Dec-09 178740<strong>10</strong>02245/28 9000000 6.25% 23-Dec-<strong>10</strong> 365 99 156182Canara Bank 23-Dec-09 178740<strong>10</strong>02245/27 9000000 6.25% 23-Dec-<strong>10</strong> 365 99 156182State Bank of Hyderabad 23-Dec-09 62118203189 9000000 6.50% 23-Dec-<strong>10</strong> 365 99 162581Syndicate Bank 23-Dec-09 30044050017969/41 9000000 6.25% 23-Dec-<strong>10</strong> 365 99 156182Syndicate Bank 23-Dec-09 30114050023376/22 9000000 6.25% 23-Dec-<strong>10</strong> 365 99 156182Andhra Bank 24-Dec-09 52220<strong>10</strong>0050613 40000000 6.00% 24-Dec-<strong>10</strong> 365 98 659028Bank of India, Basheerbagh 24-Dec-09 8601451<strong>10</strong>001124 80000000 6.00% 24-Dec-<strong>10</strong> 365 98 1318055Andhra Bank 26-Dec-09 52220<strong>10</strong>0050853 50000000 6.00% 26-Dec-<strong>10</strong> 365 96 806973Bank of India, Basheerbagh 26-Dec-09 8601451<strong>10</strong>001125 <strong>10</strong>0000000 6.00% 26-Dec-<strong>10</strong> 365 96 1613945235
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>INSURANCE REGULATORY AND DEVELOPMENT AUTHORITYStatement of interest accrued but not due on fixed deposits as on 31 st March, 20<strong>10</strong>Contd. ANNEXURE-IIDeposited with Start Date FDR No Amount % of interest Maturity Date Days to No of days Interest accruedof Deposit Maturity till 31-3-20<strong>10</strong> but not dueAndhra Bank 29-Dec-09 128220<strong>10</strong>0014356 <strong>10</strong>000000 6.00% 29-Dec-<strong>10</strong> 365 93 156351Andhra Bank 29-Dec-09 50520<strong>10</strong>0015072 60000000 6.00% 29-Dec-<strong>10</strong> 365 93 938<strong>10</strong>6Andhra Bank 29-Dec-09 52220<strong>10</strong>0050862 70000000 6.00% 29-Dec-<strong>10</strong> 365 93 <strong>10</strong>94457Bank of India, Basheerbagh 29-Dec-09 8601451<strong>10</strong>001129 20000000 6.00% 29-Dec-<strong>10</strong> 365 93 312702Bank of India, Basheerbagh 29-Dec-09 8601451<strong>10</strong>001128 280000000 6.00% 29-Dec-<strong>10</strong> 365 93 4377827IDBI Bank 29-Dec-09 133<strong>10</strong>6400003599 <strong>10</strong>000000 6.50% 29-Dec-<strong>10</strong> 365 93 169697IDBI Bank 29-Dec-09 133<strong>10</strong>6400003605 <strong>10</strong>000000 6.50% 29-Dec-<strong>10</strong> 365 93 169697IDBI Bank 29-Dec-09 133<strong>10</strong>6400003612 <strong>10</strong>000000 6.50% 29-Dec-<strong>10</strong> 365 93 169697IDBI Bank 29-Dec-09 133<strong>10</strong>6400003629 <strong>10</strong>000000 6.50% 29-Dec-<strong>10</strong> 365 93 169697IDBI Bank 29-Dec-09 133<strong>10</strong>6400003636 <strong>10</strong>000000 6.50% 29-Dec-<strong>10</strong> 365 93 169697Punjab National Bank 29-Dec-09 423900GR00000067 50000000 6.00% 29-Dec-<strong>10</strong> 365 93 781755State Bank of Hyderabad 29-Dec-09 62118539039 50000000 6.00% 29-Dec-<strong>10</strong> 365 93 781755Uco Bank 29-Dec-09 167922 50000000 6 29-Dec-<strong>10</strong> 365 93 781755Andhra Bank 30-Dec-09 52220<strong>10</strong>0050905 <strong>10</strong>0000000 6.00% 30-Dec-<strong>10</strong> 365 92 1546698Andhra Bank 30-Dec-09 134020<strong>10</strong>0018741 20000000 6.00% 30-Dec-<strong>10</strong> 365 92 309340Andhra Bank 30-Dec-09 123120<strong>10</strong>0002704 20000000 6.00% 30-Dec-<strong>10</strong> 365 92 309340Andhra Bank 30-Dec-09 50520<strong>10</strong>0015142 20000000 6.00% 30-Dec-<strong>10</strong> 365 92 309340Bank of India, Basheerbagh 30-Dec-09 8601451<strong>10</strong>001131 <strong>10</strong>0000000 6.00% 30-Dec-<strong>10</strong> 365 92 1546698State Bank of India - PB 30-Dec-09 3<strong>10</strong>08096895 9000000 6.00% 30-Dec-<strong>10</strong> 365 92 139203State Bank of India - PB 30-Dec-09 3<strong>10</strong>08097254 9000000 6.00% 30-Dec-<strong>10</strong> 365 92 139203State Bank of India - PB 30-Dec-09 3<strong>10</strong>8096454 9000000 6.00% 30-Dec-<strong>10</strong> 365 92 139203State Bank of India - PB 30-Dec-09 3<strong>10</strong>08097436 9000000 6.00% 30-Dec-<strong>10</strong> 365 92 139203State Bank of India - PB 30-Dec-09 3<strong>10</strong>08095767 9000000 6.00% 30-Dec-<strong>10</strong> 365 92 139203State Bank of India - PB 30-Dec-09 3<strong>10</strong>08097877 9000000 6.00% 30-Dec-<strong>10</strong> 365 92 139203State Bank of India - PB 30-Dec-09 3<strong>10</strong>08097684 9000000 6.00% 30-Dec-<strong>10</strong> 365 92 139203State Bank of India - PB 30-Dec-09 3<strong>10</strong>08097991 9000000 6.00% 30-Dec-<strong>10</strong> 365 92 139203State Bank of India - PB 30-Dec-09 3<strong>10</strong>08<strong>10</strong>5835 9000000 6.00% 30-Dec-<strong>10</strong> 365 92 139203State Bank of India - PB 30-Dec-09 3<strong>10</strong>08136342 8000000 6.00% 30-Dec-<strong>10</strong> 365 92 123736State Bank of India - PB 30-Dec-09 3<strong>10</strong>11624063 9000000 6.00% 30-Dec-<strong>10</strong> 365 92 139203State Bank of India - PB 30-Dec-09 3<strong>10</strong>11623592 2000000 6.00% 30-Dec-<strong>10</strong> 365 92 30934Andhra Bank 31-Dec-09 151220<strong>10</strong>0018097 40000000 6.00% 31-Dec-<strong>10</strong> 365 91 611954Andhra Bank 31-Dec-09 151220<strong>10</strong>0018060 40000000 6.00% 31-Dec-<strong>10</strong> 365 91 611954Andhra Bank 31-Dec-09 5220<strong>10</strong>0050978 20000000 6.00% 31-Dec-<strong>10</strong> 365 91 305977Andhra Bank 31-Dec-09 50520<strong>10</strong>0015151 70000000 6.00% 31-Dec-<strong>10</strong> 365 91 <strong>10</strong>70920Andhra Bank 31-Dec-09 39720<strong>10</strong>0013676 20000000 6.00% 31-Dec-<strong>10</strong> 365 91 305977236
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>INSURANCE REGULATORY AND DEVELOPMENT AUTHORITYStatement of interest accrued but not due on fixed deposits as on 31 st March, 20<strong>10</strong>Contd. ANNEXURE-IIDeposited with Start Date FDR No Amount % of interest Maturity Date Days to No of days Interest accruedof Deposit Maturity till 31-3-20<strong>10</strong> but not dueAndhra Bank 31-Dec-09 151220<strong>10</strong>0018051 40000000 6.00% 31-Dec-<strong>10</strong> 365 91 611954Bank of Baroda 31-Dec-09 006551 60000000 6.00% 31-Dec-<strong>10</strong> 365 91 917931Bank of India, Basheerbagh 31-Dec-09 8601451<strong>10</strong>001134 50000000 6.00% 31-Dec-<strong>10</strong> 365 91 764943IDBI Bank 31-Dec-09 133<strong>10</strong>6400003674 <strong>10</strong>000000 6.50% 31-Dec-<strong>10</strong> 365 91 166048IDBI Bank 31-Dec-09 133<strong>10</strong>6400003667 <strong>10</strong>000000 6.50% 31-Dec-<strong>10</strong> 365 91 166048IDBI Bank 31-Dec-09 133<strong>10</strong>6400003650 <strong>10</strong>000000 6.50% 31-Dec-<strong>10</strong> 365 91 166048IDBI Bank 31-Dec-09 133<strong>10</strong>6400003643 <strong>10</strong>000000 6.50% 31-Dec-<strong>10</strong> 365 91 166048Indian Bank 31-Dec-09 971118 9500000 6.25% 31-Dec-<strong>10</strong> 365 91 151537Indian Bank 31-Dec-09 198187 9500000 6.25% 3-Jan-11 368 91 151585Indian Bank 31-Dec-09 348648 9500000 6.25% 31-Dec-<strong>10</strong> 365 91 151537Indian Bank 31-Dec-09 348647 9500000 6.25% 31-Dec-<strong>10</strong> 365 91 151537Indian Bank 31-Dec-09 97<strong>10</strong>02 9500000 6.25% 31-Dec-<strong>10</strong> 365 91 151537Indian Bank 31-Dec-09 97<strong>10</strong>03 9500000 6.25% 31-Dec-<strong>10</strong> 365 91 151537Karur Vysya Bank 31-Dec-09 14<strong>10</strong>50<strong>10</strong>00073622/2 60000000 6.85% 31-Dec-<strong>10</strong> 365 91 <strong>10</strong>51308State Bank of India - PB 31-Dec-09 3<strong>10</strong>08033459 5000000 6.00% 31-Dec-<strong>10</strong> 365 91 76494State Bank of India - PB 31-Dec-09 3<strong>10</strong>08034077 9000000 6.00% 31-Dec-<strong>10</strong> 365 91 137690State Bank of India - PB 31-Dec-09 3<strong>10</strong>08033936 9000000 6.00% 31-Dec-<strong>10</strong> 365 91 137690State Bank of India - PB 31-Dec-09 3<strong>10</strong>08033798 9000000 6.00% 31-Dec-<strong>10</strong> 365 91 137690State Bank of India - PB 31-Dec-09 3<strong>10</strong>08033595 9000000 6.00% 31-Dec-<strong>10</strong> 365 91 137690State Bank of India - PB 31-Dec-09 3<strong>10</strong>08021976 9000000 6.00% 31-Dec-<strong>10</strong> 365 91 137690Union Bank of India 31-Dec-09 561697 150000000 6.25% 31-Dec-<strong>10</strong> 365 91 2337329Uco Bank 31-Dec-09 167923 30000000 6.00% 31-Dec-<strong>10</strong> 365 91 458966Canara Bank 2-Jan-<strong>10</strong> 178740<strong>10</strong>02245/31 9500000 6.25% 2-Jan-11 365 89 148206Canara Bank 2-Jan-<strong>10</strong> 178740<strong>10</strong>02245/29 9500000 6.25% 4-Jan-11 367 89 148238Canara Bank 2-Jan-<strong>10</strong> 178740<strong>10</strong>02245/32 9500000 6.25% 3-Jan-11 366 89 148222Indian Bank 2-Jan-<strong>10</strong> 198206 9500000 6.25% 2-Jan-11 365 89 148206Indian Bank 2-Jan-<strong>10</strong> 198207 9500000 6.25% 5-Jan-11 368 89 148254Indian Bank 2-Jan-<strong>10</strong> 198208 9500000 6.25% 8-Jan-11 371 89 148300Andhra Bank 4-Jan-<strong>10</strong> 53320<strong>10</strong>0014453 9500000 6.50% 4-Jan-11 365 87 150812Andhra Bank 4-Jan-<strong>10</strong> 52220<strong>10</strong>0051418 9500000 6.50% 4-Jan-11 365 87 150812Andhra Bank 4-Jan-<strong>10</strong> 50520<strong>10</strong>0015249 9500000 6.50% 4-Jan-11 365 87 150812Andhra Bank 4-Jan-<strong>10</strong> 151120<strong>10</strong>00<strong>10</strong>235 9500000 6.50% 4-Jan-11 365 87 150812Andhra Bank 4-Jan-<strong>10</strong> 134020<strong>10</strong>0018875 9500000 6.50% 4-Jan-11 365 87 150812Bank of India, Basheerbagh 4-Jan-<strong>10</strong> 8601451<strong>10</strong>001142 9500000 6.50% 4-Jan-11 365 87 150812Bank of India, Basheerbagh 4-Jan-<strong>10</strong> 8601451<strong>10</strong>001140 9500000 6.50% 4-Jan-11 365 87 150812237
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>INSURANCE REGULATORY AND DEVELOPMENT AUTHORITYStatement of interest accrued but not due on fixed deposits as on 31 st March, 20<strong>10</strong>Contd. ANNEXURE-IIDeposited with Start Date FDR No Amount % of interest Maturity Date Days to No of days Interest accruedof Deposit Maturity till 31-3-20<strong>10</strong> but not dueBank of India, Basheerbagh 4-Jan-<strong>10</strong> 8601451<strong>10</strong>001141 9500000 6.50% 4-Jan-11 365 87 150812Bank of India, Basheerbagh 4-Jan-<strong>10</strong> 8601451<strong>10</strong>001143 9500000 6.50% 4-Jan-11 365 87 150812Bank of India, Basheerbagh 4-Jan-<strong>10</strong> 8601451<strong>10</strong>001144 9500000 6.50% 4-Jan-11 365 87 150812Indian Bank 15-Jan-<strong>10</strong> 198255 9000000 6.25% 21-Jan-11 371 76 119973Indian Bank 15-Jan-<strong>10</strong> 198254 9000000 6.25% 18-Jan-11 368 76 119936Indian Bank 15-Jan-<strong>10</strong> 198253 9000000 6.25% 15-Jan-11 365 76 119897Indian Bank 15-Jan-<strong>10</strong> 971156 9000000 6.25% 15-Jan-11 365 76 119897Indian Bank 15-Jan-<strong>10</strong> 971157 9000000 6.25% 15-Jan-11 365 76 119897Bank of India, Basheerbagh 5-Feb-<strong>10</strong> 8601451<strong>10</strong>001162 20000000 6.00% 5-Feb-11 365 55 184931Oriental Bank of Commerce 5-Feb-<strong>10</strong> 0129303<strong>10</strong>07349 20000000 6.00% 5-Feb-11 365 55 184931Indian Bank 2-Mar-<strong>10</strong> 971246 9000000 6.75% 2-Mar-11 365 30 512<strong>10</strong>Indian Bank 2-Mar-<strong>10</strong> 971247 9000000 6.75% 2-Mar-11 365 30 512<strong>10</strong>Indian Bank 5-Mar-<strong>10</strong> 971252 20000000 6.00% 5-Mar-11 365 27 90784Union Bank of India 5-Mar-<strong>10</strong> 607802 20000000 6.00% 5-Mar-11 365 27 90784Central bank of India 5-Mar-<strong>10</strong> 55843 20000000 6.00% 5-Mar-11 365 27 90784Andhra Bank 15-Mar-<strong>10</strong> 50520<strong>10</strong>0019315 9000000 6.50% 15-Mar-11 365 17 27918Andhra Bank 15-Mar-<strong>10</strong> 50520<strong>10</strong>0019324 9000000 6.50% 15-Mar-11 365 17 27918Canara Bank 15-Mar-<strong>10</strong> 468680 9000000 6.50% 15-Mar-11 365 17 27918Canara Bank 15-Mar-<strong>10</strong> 468681 9000000 6.50% 15-Mar-11 365 17 27918Indian Bank 30-Mar-<strong>10</strong> 9713<strong>10</strong> 9000000 6.75% 30-Mar-11 365 2 3414Indian Bank 30-Mar-<strong>10</strong> 971311 9000000 6.75% 30-Mar-11 365 2 3414Indian Bank 30-Mar-<strong>10</strong> 971316 9000000 6.75% 30-Mar-11 365 2 3414Indian Bank 30-Mar-<strong>10</strong> 971317 9000000 6.75% 30-Mar-11 365 2 3414Andhra Bank 31-Mar-<strong>10</strong> 52220<strong>10</strong>0057494 220000000 6.80% 31-Mar-11 365 1 42043Andhra Bank 31-Mar-<strong>10</strong> 434020<strong>10</strong>0021523 50000000 6.80% 31-Mar-11 365 1 8406Andhra Bank 31-Mar-<strong>10</strong> 123120<strong>10</strong>0003174 20000000 6.80% 31-Mar-11 365 1 3822Andhra Bank 31-Mar-<strong>10</strong> 50520<strong>10</strong>0020047 60000000 6.80% 31-Mar-11 365 1 11466Andhra Bank 31-Mar-<strong>10</strong> 18420<strong>10</strong>0002616 <strong>10</strong>000000 6.80% 31-Mar-11 365 1 1911Andhra Bank 31-Mar-<strong>10</strong> <strong>10</strong>7020<strong>10</strong>0009789 20000000 6.80% 31-Mar-11 365 1 3822Bank of India, Basheerbagh 31-Mar-<strong>10</strong> 8601561<strong>10</strong>0001<strong>10</strong> 300000000 6.75% 31-May-11 426 1 57246IDBI Bank 31-Mar-<strong>10</strong> 133<strong>10</strong>6400005005 <strong>10</strong>000000 6.75% 31-Jul-11 487 1 1920IDBI Bank 31-Mar-<strong>10</strong> 133<strong>10</strong>6400004992 <strong>10</strong>000000 6.75% 31-Jul-11 487 1 1920IDBI Bank 31-Mar-<strong>10</strong> 133<strong>10</strong>6400004985 <strong>10</strong>000000 6.75% 31-Jul-11 487 1 1920IDBI Bank 31-Mar-<strong>10</strong> 133<strong>10</strong>6400004978 <strong>10</strong>000000 6.75% 30-Jun-11 456 1 1914IDBI Bank 31-Mar-<strong>10</strong> 133<strong>10</strong>6400004961 <strong>10</strong>000000 6.75% 30-Jun-11 456 1 1914IDBI Bank 31-Mar-<strong>10</strong> 133<strong>10</strong>6400004954 <strong>10</strong>000000 6.75% 30-Jun-11 456 1 1914IDBI Bank 31-Mar-<strong>10</strong> 133<strong>10</strong>6400004947 <strong>10</strong>000000 6.75% 31-May-11 426 1 1908IDBI Bank 31-Mar-<strong>10</strong> 133<strong>10</strong>6400004930 <strong>10</strong>000000 6.75% 31-May-11 426 1 1908238
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>INSURANCE REGULATORY AND DEVELOPMENT AUTHORITYStatement of interest accrued but not due on fixed deposits as on 31 st March, 20<strong>10</strong>Contd. ANNEXURE-IIDeposited with Start Date FDR No Amount % of interest Maturity Date Days to No of days Interest accruedof Deposit Maturity till 31-3-20<strong>10</strong> but not dueIDBI Bank 31-Mar-<strong>10</strong> 133<strong>10</strong>6400004923 <strong>10</strong>000000 6.75% 31-May-11 426 1 1908IDBI Bank 31-Mar-<strong>10</strong> 133<strong>10</strong>6400004916 <strong>10</strong>000000 6.75% 2-May-11 397 1 1903IDBI Bank 31-Mar-<strong>10</strong> 133<strong>10</strong>6400004909 <strong>10</strong>000000 6.75% 2-May-11 397 1 1903IDBI Bank 31-Mar-<strong>10</strong> 133<strong>10</strong>6400004893 <strong>10</strong>000000 6.75% 2-May-11 397 1 1903IDBI Bank 31-Mar-<strong>10</strong> 133<strong>10</strong>6400004886 <strong>10</strong>000000 6.75% 4-Apr-11 369 1 1898IDBI Bank 31-Mar-<strong>10</strong> 133<strong>10</strong>6400004879 <strong>10</strong>000000 6.75% 4-Apr-11 369 1 1898IDBI Bank 31-Mar-<strong>10</strong> 133<strong>10</strong>6400004862 <strong>10</strong>000000 6.75% 4-Apr-11 369 1 1898Indian Bank 31-Mar-<strong>10</strong> 348779 9000000 6.75% 30-Apr-11 395 1 1713Indian Bank 31-Mar-<strong>10</strong> 348775 9000000 6.75% <strong>10</strong>-Apr-11 375 1 1709Indian Bank 31-Mar-<strong>10</strong> 348776 9000000 6.75% 15-Apr-11 380 1 17<strong>10</strong>Indian Bank 31-Mar-<strong>10</strong> 348777 9000000 6.75% 20-Apr-11 385 1 1711Indian Bank 31-Mar-<strong>10</strong> 348778 9000000 6.75% 25-Apr-11 390 1 1712Indian Bank 31-Mar-<strong>10</strong> 348780 5000000 6.75% 15-May-11 4<strong>10</strong> 1 782Indian Bank 31-Mar-<strong>10</strong> 971372 20000000 6.00% 31-Mar-11 365 1 3362Indian Bank 31-Mar-<strong>10</strong> 971371 30000000 6.00% 31-Mar-11 365 1 5044Karur Vysya Bank, RP Road 31-Mar-<strong>10</strong> 14<strong>10</strong>557000000048/1 <strong>10</strong>0000000 7.35% 30-Apr-11 395 1 20772Oriental Bank of Commerce 31-Mar-<strong>10</strong> 0129303<strong>10</strong>07493 40000000 6.50% 31-Mar-11 365 1 7299Oriental Bank of Commerce 31-Mar-<strong>10</strong> 1111303<strong>10</strong><strong>10</strong>125 50000000 6.50% 31-Mar-11 365 1 9124Oriental Bank of Commerce 31-Mar-<strong>10</strong> <strong>10</strong>81303<strong>10</strong>24597 20000000 6.50% 31-Mar-11 365 1 3649State Bank of Hyderabad 31-Mar-<strong>10</strong> 62128041872 <strong>10</strong>0000000 7.00% 31-May-11 426 1 19812State Bank of Hyderabad 31-Mar-<strong>10</strong> 62132616701 9500000 7.00% 31-Mar-11 365 1 1870State Bank of Hyderabad 31-Mar-<strong>10</strong> 62132620581 9500000 7.00% 31-Mar-11 365 1 1870State Bank of Hyderabad 31-Mar-<strong>10</strong> 62132620717 9500000 7.00% 31-Mar-11 365 1 1870State Bank of Hyderabad 31-Mar-<strong>10</strong> 62132620795 9500000 7.00% 31-Mar-11 365 1 1870State Bank of Hyderabad 31-Mar-<strong>10</strong> 62132620988 9500000 7.00% 31-Mar-11 365 1 1870State Bank of Hyderabad 31-Mar-<strong>10</strong> 6213262<strong>10</strong>30 9500000 7.00% 31-Mar-11 365 1 1870State Bank of Hyderabad 31-Mar-<strong>10</strong> 6213262<strong>10</strong>63 9500000 7.00% 31-Mar-11 365 1 1870State Bank of Hyderabad 31-Mar-<strong>10</strong> 62132621121 9500000 7.00% 31-Mar-11 365 1 1870State Bank of Hyderabad 31-Mar-<strong>10</strong> 62132621176 9500000 7.00% 31-Mar-11 365 1 1870State Bank of Hyderabad 31-Mar-<strong>10</strong> 62132621201 9500000 7.00% 31-Mar-11 365 1 1870State Bank of Hyderabad 31-Mar-<strong>10</strong> 62132621223 5000000 7.00% 31-Mar-11 365 1 984State Bank of India - PB 31-Mar-<strong>10</strong> 31122782513 <strong>10</strong>0000000 6.00% 31-Mar-11 365 1 16812Syndicate Bank 31-Mar-<strong>10</strong> 300445800000<strong>10</strong>/2 <strong>10</strong>0000000 6.00% 31-Mar-11 365 1 16812Union Bank of India 31-Mar-<strong>10</strong> 921582 <strong>10</strong>000000 6.00% 31-Mar-11 365 1 1681Union Bank of India 31-Mar-<strong>10</strong> 921583 30000000 6.00% 31-Mar-11 365 1 5044Lakshmi Vilas Bank 31-Mar-<strong>10</strong> 029712<strong>10</strong>00022112/1 60000000 7.50% 31-Mar-11 365 1 12680Total 6222900000 117902040239
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>INSURANCE REGULATORY AND DEVELOPMENT AUTHORITYAttached to and forming part of Balance Sheet as at 31 st March, 20<strong>10</strong>CURRENT ASSETS, LOANS AND ADVANCESPARTICULARS Figures for the Figures for theCurrent Year Previous Year(<strong>2009</strong>-<strong>10</strong>) (2008-09)``DEPOSITSHouse Lease Advance 47,825Security Deposits - Telephone 66,674 68,663Security Deposits - Electricity 350,375 282,099Security Deposits - Fuel 7,650 7,650Security Deposits - Rent 1,008,900 314,300TOTAL 1,433,599 720,537LOANS & ADVANCES TO STAFFHousing Loan to Staff 42,561,444 41,607,168Loans to Staff for other purposes 9,<strong>10</strong>8,965 7,605,368Other - Advances - Festival 557,568 485,787Interest Recoverable 7,642,795 5,092,307Advance Others 3,636,387 -Advance - Soft Furnishing 232,<strong>10</strong>0 350,000TOTAL 63,739,259 55,140,630AMOUNTS DUE FROM INSURANCE COMPANIES & OTHERSInsurance Companies [Indicates the amount due from State Insurance Companies] - 69,<strong>10</strong>0Agents - [Indicates the amount of expired cheques in hand received from agents earlier] - 37,400TOTAL - <strong>10</strong>6,500Other Current AssetsPrepaid Expenses - 1,672,460Interest Accrued but not due - Bank Deposits 117,902,040 124,000,652Amount recoverable- others 657,738 525,308Advances on Capital Account - [For software development] 204,120 204,120Advance to Institute of Insurance and Risk Management 24,215,293 25,888,906Advance to PFRDA - 1,681,305Other -Advance for Travel 405,117 207,435TOTAL 143,384,308 154,180,186CASH AND BANK BALANCESCash in hand 52,622 63,723Cheques in hand -Cash/ Cheque in transit -Balances with Scheduled Banks(a) In Current Account 34,702,549 6,546,312(b) In Deposit Account -(c) In Savings Bank Account 21,987 23,237TOTAL 34,724,536 6,569,550Balance with Non Scheduled Bank(a) In Current Account - -(b) In Deposit Account - -TOTAL - -(N Srinivasa Rao) (G.Prabhakara) (R.Kannan)FA & CAO Member Member(K.K.Srinivasan) (R.K Nair) (J Hari Narayan)Member Member ChairmanANNEXURE III240
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>ANNEXURE IVINSURANCE REGULATORY AND DEVELOPMENT AUTHORITYAttached to and forming part of Balance Sheet as on 31 st March, 20<strong>10</strong>PARTICULARS Figures for the Figures for theCurrent Year Previous Year(<strong>2009</strong>-<strong>10</strong>) (2008-09)``Grant from Government of India - -Total - -(N Srinivasa Rao) (G.Prabhakara) (R.Kannan)FA & CAO Member Member(K.K.Srinivasan) (R.K Nair) (J Hari Narayan)Member Member ChairmanINSURANCE REGULATORY AND DEVELOPMENT AUTHORITYAttached to and forming part of Balance-Sheet as on 31 st March, 20<strong>10</strong>CONTINGENT LIABILITIESANNEXURE - VPARTICULARS Figures for the Figures for theCurrent Year Previous Year(<strong>2009</strong>-<strong>10</strong>) (2008-09)``- -(N Srinivasa Rao) (G.Prabhakara) (R.Kannan)FA & CAO Member Member(K.K.Srinivasan) (R.K Nair) (J Hari Narayan)Member Member Chairman241
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>ANNEXURE VIINSURANCE REGULATORY AND DEVELOPMENT AUTHORITYAttached to and forming part of Income and Expenditure Account for the year ended 31 st March, 20<strong>10</strong>PAYMENTS TO AND PROVISIONS FOR EMPLOYEESPARTICULARS Figures for the Figures for theCurrent Year Previous Year(<strong>2009</strong>-<strong>10</strong>) (2008-09)``i) Salaries, Allowances, Wages and Bonus 76,043,374 56,400,308ii)Contribution to Provident Fund, etc[including contribution to superannuation fund.] 7,546,796 15,140,822iii) Gratuity 1,727,637 1,311,781iv) Staff Welfare Expenses 1,030,305 844,523v) Others-Book Grant 54,0<strong>10</strong> 9,292-Leave Travel Concession 1,734,115 877,422-Insurance - --Canteen Expenses - --Monetary Award - Studies - --Contribution to Group Insurance Scheme 176,552 1,113,019-Reimbursement of expenses incurred by Staff 6,700,487 5,900,881-Leave Salary 3,654,485 1,579,143TOTAL 98,667,761 83,177,191(N Srinivasa Rao) (G.Prabhakara) (R.Kannan)FA & CAO Member Member(K.K.Srinivasan) (R.K Nair) (J Hari Narayan)Member Member Chairman242
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>ANNEXURE VIIINSURANCE REGULATORY AND DEVELOPMENT AUTHORITYAttached to and forming part of Income and Expenditure Account for the year ended 31 st March, 20<strong>10</strong>ESTABLISHMENT EXPENSESPARTICULARS Figures for the Figures for theCurrent Year Previous Year(<strong>2009</strong>-<strong>10</strong>) (2008-09)``Repairs & Maintenance of Buildings & Premises 1,397,111 5,496,003House Keeping - Office Maintenance 2,779,731 1,260,472Repairs & Maintenance of Equipments 918,621 862,393Repairs and Maintenance - Others - -Electricity & Water Expenses 2,030,700 1,530,274Insurance Expenses 184,280 99,968Rates and Taxes - -Printing and Stationery 2,049,629 1,734,923Books/Journals etc. 57,878 46,691Postage, Telegraphs, Telephones, etc. 6,633,694 3,942,770Travelling and Conveyance Inland 19,344,859 18,982,234Travel - Foreign 11,694,304 14,811,718Legal and Professional charges - 11,434,143Education/Training/R&D/Grievances Redressal Expenses 7,959,351 392,4<strong>10</strong>Audit Fees 248,532 285,000Software - -Publicity & Advertisement - -Recruitment 186,399 -Expenses of Meetings of Authority & Advisory Committee& Others meeting expenses including daily allowancespaid to the members of the Committee - 1,660,124Membership and Subscription 1,154,875 1,553,269Security Services 689,838 714,097Web Portal Development Expenses - -Canteen Expenses 3,528,475 2,036,025Car Repair and Maintenance Expenses 150,364 111,004Other Expenses 484,032 149,679TOTAL 61,492,673 67,<strong>10</strong>3,197(N Srinivasa Rao) (G.Prabhakara) (R.Kannan)FA & CAO Member Member(K.K.Srinivasan) (R.K Nair) (J Hari Narayan)Member Member Chairman243
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>ANNEXURE VIIIINSURANCE REGULATORY AND DEVELOPMENT AUTHORITYAttached to and forming part of Income and Expenditure Accountfor the year ended 31 st March, 20<strong>10</strong>INTERESTPARTICULARS Figures for the Figures for theCurrent Year Previous Year(<strong>2009</strong>-<strong>10</strong>) (2008-09)``Government - -Banks - -Others - -Total - -(N Srinivasa Rao) (G.Prabhakara) (R.Kannan)FA & CAO Member Member(K.K.Srinivasan) (R.K Nair) (J Hari Narayan)Member Member Chairman244
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>Annexure-IX1. BACKGROUNDTHE INSURANCE REGULATORY AND DEVELOPMENT AUTHORITYNOTES TO THE ANNUAL STATEMENT OF ACCOUNTS for the year <strong>2009</strong>-<strong>10</strong>[Unless otherwise specified, all amounts are in Rupees]INSURANCE REGULATORY AND DEVELOPMENT AUTHORITY (The Authority) was established by an Actof Parliament – Insurance Regulatory & Development Authority Act, 1999 [Act] - and was constituted on April19, 2000 by a notification issued in the Gazette of India. The Authority was established with a view to protectingthe interests of the holders of insurance policies, to regulate, promote and ensure orderly growth of the insuranceindustry and for matters connected therewith or incidental thereto, issue to the applicant a certificate of registration,renew, modify, withdraw, suspend or cancel registration, and levy fees and other charges for carrying out thepurposes of the Act. The Authority, in terms of section 13 of the Act has been vested with the assets andliabilities of the Interim Insurance Regulatory Authority as are available on the appointed day i.e. April 19, 2000.In terms of section 16 of the Act a fund shall be constituted namely ‘‘The Insurance Regulatory and DevelopmentAuthority Fund” [Fund]. The Fund shall constitute of all Government grants, fees and charges received by theAuthority, all sums received by the Authority from such other source as may be decided upon by the CentralGovernment and the percentage of prescribed premium income received from the insurer. The Fund shall beapplied for meeting the salaries, allowances and other remuneration of the members, officers and other employeesof the Authority and the other expenses of the Authority in connection with discharge of its functions and for thepurposes of the Act.2. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIESThe financial statements are prepared under the historical cost convention, on the accrual basis of accountingsave for revenue recognition on cash basis as explained hereunder, and in accordance with the applicablestandards on accounting issued by the Institute of Chartered Accountants of India. The significant accountingpolicies are as follows:(a)Fixed assets and depreciationFixed assets are stated at cost less accumulated depreciation. Depreciation on fixed assets is provided pro-ratato the period of use on reducing balance method using rates determined based on the rates specified in ScheduleXIV to the Companies Act, 1956. Assets costing less than `5,000 have been depreciated <strong>10</strong>0 per cent in theyear of purchase unless the assets constitutes more than <strong>10</strong> per cent of the respective block, in which case theasset is depreciated at the rates specified in the said Schedule XIV.(b)InvestmentsInvestments in the nature of fixed deposits with banks are stated at cost.(c)Revenues(i)Registration Fee(a)(b)Received from insurer seeking for the first time, registration for carrying on any class of insurancebusiness in India is treated as income of the year of receipt.Received in advance from insurers for renewal of registration is treated as income of the year towhich it relates.245
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>(ii)License FeeLicense fee received from insurance agents, surveyors, brokers and other insurance intermediaries is treatedas income of the year of receipt. Licences issued to insurance agents, surveyors, brokers and other insuranceintermediaries are current for those years from date of issue and subject to renewal at the end of their currency.It is not practicable to distribute the Licence fee over the years to which they relate.(iii)Grant from Ministry of Finance, Government of IndiaInitial Grant received has been treated as income of the year in which it is received.(d)Foreign currency transactionsNon-monetary foreign currency transactions are recorded at rates of exchange prevailing on the dates of thetransactions. Monetary foreign currency assets and liabilities are translated into rupees at the rates of exchangeprevailing on the balance sheet date. The differences in translation of foreign currency liabilities related to theacquisition of fixed assets are adjusted in the carrying value of fixed assets. Other translation differences arereflected in the Income and Expenditure Account.(e)Retirement benefitsRetirement benefits to employees comprise contribution to provident fund, gratuity fund, Superannuation fundand provision of leave encashment, which are provided in accordance with the Regulations made under the Act.Leave encashment is provided for based on Actuarial Valuation at the current encashable salary for the entireunavailed leave balances.The Authority contributes to <strong>IRDA</strong> Employees Provident Fund and <strong>IRDA</strong> Superannuation Fund Trust.The liability for gratuity is determined based on actuarial valuation, in accordance with gratuity scheme framedby the Authority.(f)Non-interest bearing loan/advance to IIRM and APIICThe Authority as on 31.3.20<strong>10</strong> had given interest free Loans/advances amounting to `242.16 Lakh to Institute ofInsurance and Risk Management (IIRM) for development of insurance education in India and `200 Lakh toAndhra Pradesh Industrial Infrastructure Corporation (APIIC) for construction of its office building.(g)The opening Balance with Bank of India (A/c no. CD 1938 & A/c no. CD-119) has been netted off.3. INCOME-TAXNo income tax provision has been made in view of income of the Authority being exempt under section <strong>10</strong>(23BBE) of the Income-tax Act, 1961.4. REGISTRATION / RENEWAL FEES(a) In pursuance of Authority’s decision to scale down the levy of renewal fees for registration on the insurers to 0.1per cent of the gross premium from 0.2 per cent of the gross premium, retrospectively for the financial years witheffect from April 01, 2001, the income for the year has been accordingly accounted for.246
ANNUAL REPORT <strong>2009</strong>-<strong>10</strong>5. DEPOSIT OF FUNDS OF THE AUTHORITY INTO PUBLIC ACCOUNT OF INDIAThe Authority, in the previous years received a letter from Ministry of Finance, Department of Economic Affairsdated 17 th July, 2002, 9 th July, 2005, 18 th July & 13 th September, 2006 and 28 th February, 2008 directing theAuthority to deposit the moneys so far collected by the Authority in the Public Account of India as non-interestbearing account and allowing the Authority to withdraw a specified amount in the beginning of each year fromthe said Public Account for meeting its expenditure. The Authority based on a legal opinion obtained has requestedfor review of the direction received. In its view the funds raised by it from the insurers and the intermediaries donot have the character of Government Revenue and cannot form part of the Public Fund of India. The issue isstill under correspondence.6. HEADQUARTERS OF THE AUTHORITYThe Authority, in pursuance of the decision taken by the Government of India in November 2001 to shift theHeadquarters of the Authority from New Delhi to Hyderabad, shifted the actuarial department in April 2002,other departments in August 2002 and the Surveyors Department in October 2005. The office of the Authority islocated in Parisrama Bhavan where third floor and a portion of fifth floor have been given to it on rent by AndhraPradesh Industrial Development Corporation Limited [APIDC]The Government of Andhra Pradesh through Andhra Pradesh Industrial Infrastructure Corporation Limited [APIIC]had allotted a plot of five acres land at a nominal amount of `<strong>10</strong>000 in the financial district at NanakramgudaVillage, Serilingampally Mandal, RR District, Hyderabad, for construction of the Head Quarters of the Authority.The title of the said land was transferred in the month of October, 2008.7. OPERATING LEASESThere are no non-cancelable lease arrangements. The lease payments in respect of premises are recognized inthe income and expenditure account.8. PRIOR YEAR COMPARATIVESCurrent year figures have been regrouped as advised by CAG in the previous year audit and wherever considerednecessary to make them comparable with the previous year’s figures.(N. Srinivasa Rao) (G Prabhakara) (R. Kannan)FA & CAO Member Member( K K Srinivasan) (R.K. Nair) (J. Hari Narayan)Member Member Chairman247
dm{f©H$ [anmoQ>© <strong>2009</strong>-<strong>10</strong>dm{f©H$ [anmoQ>©ANNUAL REPORT<strong>2009</strong>-<strong>10</strong>~r_m {d{Z`m_H$ Am¡a {dH$mg àm{YH$aU^maVINSURANCE REGULATORY AND DEVELOPMENT AUTHORITYINDIAàYmZ H$m`m©b`:Vrgam Vb, n[al_ ^dZ,~era~mJ, h¡Xam~mX-500 004.\$moZ: +91-40-23381<strong>10</strong>0 / 1300\¡$Šg: +91-40-6682 3334{X„r H$m`m©b`:JoQ> Z§. 3, àW_ Vb, OrdZ Vmam,g§gX _mJ©, ZB© {X„r-1<strong>10</strong> 001.\$moZ: +91-11-23747648\¡$Šg: +91-11-23747650Head Office3 rd Floor, Parisrama BhavanBasheerbagh, Hyderabad 500 004Phone : +91-40-2338 1<strong>10</strong>0 / 1300Fax : +91-40-6682 3334Delhi OfficeGate No. 3, 1 st Floor, Jeevan Tara,Parliament Street, New Delhi – 1<strong>10</strong> 001Phone : +91-11-2374 7648Fax : +91-11-2374 7650Website/do~gmB©Q>: www.irda.gov.inE-mail/B©-_ob: irda@irda.gov.ini
dm{f©H$ [anmoQ>© <strong>2009</strong>-<strong>10</strong>~r_m {d{Z`m_H$ Am¡a {dH$mg àm{YH$aUINSURANCE REGULATORY ANDDEVELOPMENT AUTHORITYnmaJ_Z nÌg{Md, Zdå~a 24, 20<strong>10</strong>Am{W©H$ H$m`© {d^mJ, {dÎm _§Ìmb`Vrgam Vb, OrdZXrn {~pëS>¨J,g§gX _mJ©, Z`r {Xëbr-1<strong>10</strong> 001.lr_mZ²,h_ ~r_m {d{Z`m_H$ Am¡a {dH$mg àm{YH$aU A{Y{Z`_, 1999 H$s Ymam 20 Ho$ Cn~§Ym| Ho$ AZwgma, 31 _mM© 20<strong>10</strong> H$mo g_má hþ`o df©Ho$ {b`o àm{YH$aU H$s dm{f©H$ [anmoQ>© H$s EH$ à{V H$mo, ^maV Ho$ amOnÌ, AgmYmaU ^mJ 2, I§S> 3, CnI§S> (ii) VmarI 14 OyZ, 2000H$mo A{Ygy{MV ~r.{d.{d.àm. (dm{f©H$ [anmoQ>© {dda{U`m|, {ddaUm| Am¡a AÝ` {d{eï>`m| H$mo àñVwV {H$`m OmZm) {d{Z`_, 2000 _| {d{hVàmê$n _| ^oO aho h¢ &^dXr`,(Oo h[a Zmam`U)LETTER OF TRANSMITTALTo November 24, 20<strong>10</strong>The Secretary,Department of Financial ServicesMinistry of Finance3 rd Floor, Jeevan Deep BuildingParliament StreetNew Delhi – 1<strong>10</strong> 001Sir,In accordance with the provisions of Section 20 of the Insurance Regulatory and Development Authority Act, 1999, weare sending herewith a copy of the Annual Report of the Authority for the financial year ended 31 st March, 20<strong>10</strong> in theformat prescribed in the <strong>IRDA</strong> (Annual Report – Furnishing of returns, statements and other particulars) Rules, 2000,notified on 14 th June, 2000 in Part II of Section 3, Sub Section (ii) of the Gazette of India, Extraordinary.Yours faithfully,(J. HARI NARAYAN)n[al_ ^dZ, Vrgam Vb, ~era~mJ, h¡Xam~mX-500 004. ^maV✆ : +91-40-6682 0957, \¡$Šg: 91-40-6682 3334B©-_ob : chairman@irda.gov.in do~: www.irda.gov.inParishram Bhavan, 3rd Floor, Basheer Bagh, Hyderabad-500 004. INDIA.Ph. : +91-40-6682 0957, Fax: 91-40-6682 3334E-mail : chairman@irda.gov.in Web.: www.irda.gov.inii
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Omar {ddaU 20(` bmIm| _|){ddaU Eg~rAmB© bmB\$ H$moQ>H$ _hoÝÐ Q>mQ>m EAmB©Or _oQ>bmB©\$ Adrdm ghmam lram_ ^maVr EŠgm<strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09dm{f©H$ [anmoQ>© <strong>2009</strong>-<strong>10</strong>A§eYmaH$ ImVm : g^r OrdZ ~r_mH$Vm©120nm{bgrYmaH$mo Ho$ ImVo go hñVm[aV am{e`m±(VH$ZrH$s ImVm) 17775 <strong>10</strong>111 7085 2021 3403 3780 74 65 51 53 143 65 (47729) (41515){Zdoem| go Am`:(H$) ã`mO, bm^m§e Am¡a {H$am`m - gH$b 6065 6787 1761 2096 1163 2325 1967 2247 2059 2895 1432 1231 <strong>10</strong>78 1130 621 <strong>10</strong>33(I) {~H«$s na bm^/{Zdoem| H$s MyQ> 2697 1284 282 1176 15 89 465 312 75 1<strong>10</strong>6 280 198 595 187 91(J) ({~«H$s na hm{Z/{Zdoem| H$s Ny>) (3548) (1987) (0) (642) (44) (860) (0) (21) (6) (33) (48) (26)(K) ghr Xm_ Ho$ nwZ©_yë`Z/n[adV©Z na hñVm§VaU/bm_ 1379(M) àr{_`_ _| n[aemoYZ/{Zdoem| _| Ny>Q>AÝ` Am` 4 2 133 119Hw$b (E) 22989 16195 9127 4651 4581 6150 2506 1452 2422 3002 3915 1480 1551 1909 (46969) (40417)AÝ` IM© Omo ~r_m ì`mnma Ho$ grYo g§~§{YV Zhr h¡ 39 49 435 204 243 254 892 523 35 41 34 25 152 114JbV F$U H$s hm{ZàmdYmZ (H$a {ZYm©aU Ho$ Abmdm)(H$) {Zdoe _yë` _| H$_r (ewÕ) (4799) 2990 1583 349(I) g§XohmñnX F$Um| Ho$ {b`o àmdYmZ(J) AÝ`nm{bgrYmaH$m| Ho$ ImVo _| A§eXmZ 15820 1770 3013 44339 62420 36002 51984 1670 3324 516 695 1215Hw$b (~r) (4761) 18859 2205 3217 44582 62674 36893 52507 35 3295 3358 890 848 1329bm^/(ZwH$gmZ) H$a go nyd© 27749 (2664) 6922 1434 (40001) (56524) 2506 1452 (34472) (49505) 3880 (1815) (1806) <strong>10</strong>19 (47817) (41746)nyd©Ad{Y IM©H$a {ZYm©aU Ho$ àmdYmZbm^/(ZwH$gmZ) H$a Ho$ nümV <strong>10</strong>3 33 259 0 20827646 (2631) 6922 1434 (40001) (56524) 2506 1452 (34472) (49505) 3621 (1815) (1806) 811 (47817) (41746){d{Z`moJ(H$) dfm©a§^ _| eof (2158) 473 (32434) (33868) (120985) (64461) (12968) (14420) (116255) (66749) (2874) (<strong>10</strong>58) 2536 1726 (73990) (32244)(I) df© Ho$ Xm¡amZ {X`o OmZo dmbo A§V[a_ bm^m§e(J) àñVm{dV A§{V_ bm^m§e(K) Ka na bm^m§e {dVaU(M) [aOd©/AÝ` ImVm| _| A§[aVVwbZ nÌ H$mo bo Om`m J`m bm^ 25487 (2158) (25512) (32434) (160986) (120985) (<strong>10</strong>462) (12968) (150726) (116255) 747 (2873) 730 2536 (121807) (73990)ZmoQ> : H$moð>H$ _| A§H$ ZH$maË_H$ _yë` ~VmVo h¡ Ÿ&
Omar {ddaU 20(` bmIm| _|){ddaU â`yMa OZabr AmB©S>r~rAmB© \o$S´>b EoJmoZ aobrJò a Ho$Zam EMEg~rEg S>rEbE\$ àm_o[aH$m ñQ>ma `y{Z`Z BpÝS>`m \$ñQ>© Hw$b<strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> <strong>2009</strong>-<strong>10</strong> 2008-09dm{f©H$ [anmoQ>© <strong>2009</strong>-<strong>10</strong>A§eYmaH$ ImVm : g^r OrdZ ~r_mH$Vm©121nm{bgrYmaH$mo Ho$ ImVo go hñVm[aV am{e`m±(VH$ZrH$s ImVm) (3405) (1972) 175204 81539{Zdoem| go Am`:(H$) ã`mO, bm^m§e Am¡a {H$am`m - gH$b 765 1<strong>10</strong>7 18<strong>10</strong> 1147 382 446 1124 2186 615 508 2000 304 511 50490 5<strong>10</strong>52(I) {~H«$s na bm^/{Zdoem| H$s MyQ> 544 343 3<strong>10</strong> 118 53 119 530 224 91 344 697 22 241 12275 8169(J) ({~«H$s na hm{Z/{Zdoem| H$s Ny>) (18) (169) (159) (416) (2) (6) (35) (40) (0) (5) (125) (14) (0) (4634) (6297)(K) ghr Xm_ Ho$ nwZ©_yë`Z/n[adV©Z na hñVm§VaU/bm_ 1379 519(M) àr{_`_ _| n[aemoYZ/{Zdoem| _| Ny>Q> (3) 14 81 144 (70) (17) (50) (5) 1683AÝ` Am` 0 0 2 1 177 128Hw$b (E) 1291 1281 1959 863 515 702 1620 2370 636 831 (833) (1660) 703 234886 136793AÝ` IM© Omo ~r_m ì`mnma Ho$ grYo g§~§{YV Zhr h¡ 139 534 154 275 133 274 122 1483 171 1262 1173 198 2 16677 12192JbV F$U H$s hm{ZàmdYmZ (H$a {ZYm©aU Ho$ Abmdm)(H$) {Zdoe _yë` _| H$_r (ewÕ) (5273) 5345(I) g§XohmñnX F$Um| Ho$ {b`o àmdYmZ 242(J) AÝ` 1 1 1 1nm{bgrYmaH$m| Ho$ ImVo _| A§eXmZ 36837 26341 12299 11611 26114 2<strong>10</strong>86 9794 4015 5095 317806 617443Hw$b (~r) 36976 26875 12453 11886 133 274 26236 22569 9965 5277 1173 198 5096 329452 634981bm^/(ZwH$gmZ) H$a go nyd© (35685) (25594) (<strong>10</strong>495) (1<strong>10</strong>23) 382 428 (24616) (20199) (9329) (4446) (2006) (1858) (4394) (94566) (498188)nyd© Ad{Y IM©H$a {ZYm©aU Ho$ àmdYmZ 134 220bm^/(ZwH$gmZ) H$a Ho$ nümV 2 0 0 0 20 8 4096 <strong>10</strong>380(35686) (25594) (<strong>10</strong>495) (1<strong>10</strong>23) 382 408 (24616) (20207) (9329) (4446) (2140) (1858) (4479) (98882) (488301){d{Z`moJ(H$) dfm©a§^ _| eof (28955) (3362) (13576) (2553) (2379) (2787) (23087) (2880) (4446) (1965) (<strong>10</strong>7) (725) (1576796) (992036)(I) df© Ho$ Xm¡amZ {X`o OmZo dmbo A§V[a_ bm^m§e(J) àñVm{dV A§{V_ bm^m§e <strong>10</strong>3092 92912(K) Ka na bm^m§e {dVaU(M) [aOd©/AÝ` ImVm| _| A§[aV 2979 2823VwbZ nÌ H$mo bo Om`m J`m bm^ (64642) (28955) (24071) (13576) (1997) (2379) (47703) (23087) (13775) (4446) (4<strong>10</strong>6) (1965) (5204) (1781750) (1576071)ZmoQ> : H$moð>H$ _| A§H$ ZH$maË_H$ _yë` ~VmVo h¡ Ÿ&AmñW{JV H$a g§n{Îm na AmB©grAmB©grAmB© àyS>oqe`b Ho$ {bE AZdemo{fV KmQ>o Ho$ AmJo bo OmZm.
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Omar {ddaU 51(` bmIm| _o)ZoeZb `yZmB©Q>oS> Hw$b<strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09{ddaU A{¾ g_wÐr {d{dY Hw$b A{¾ g_wÐr {d{dY Hw$b A{¾ g_wÐr {d{dY Hw$b A{¾ g_wÐr {d{dY Hw$b <strong>2009</strong>-<strong>10</strong> 2008-09dm{f©H$ [anmoQ>© <strong>2009</strong>-<strong>10</strong>gmd©O{ZH$ joÌ Ho$ J¡a OrdZ ~r_mH$Vm©: nm°{bgrYmaH$ ImVm158àr{_`_ A{O©V (ewÕ) 35335 13022 333221 381579 29442 12403 300391 342236 4<strong>10</strong>45 21170 321604 383819 40861 18623 260426 3199<strong>10</strong> 1695567 1493756{Zdoem| H$mo ~oMZo/Nw>S>mZo _| bm^-hm{Z 5937 2643 55241 63821 3359 1429 335<strong>10</strong> 38298 6491 2424 46763 55678 2580 <strong>10</strong>40 20463 24083 213361 115499AÝ` 5 13 995 <strong>10</strong>13 585 296 4027 4908 2 (<strong>10</strong>) 71 63 4380 860ã`mO, bm^m§e Am¡a F$U gH$b 4199 1870 39070 45138 3665 1559 36566 41790 5582 2085 40215 47882 4724 1905 37472 44<strong>10</strong>1 207902 197329Hw$b (E) 45471 17535 427532 490538 36470 15405 371462 423338 53704 25974 412609 492288 48168 21558 318431 388157 21212<strong>10</strong> 1807444CnJV Xmdo (ewÕ) 20288 4752 299497 324536 23761 13460 302146 339367 19807 21852 291265 332924 29593 15071 206841 251505 1496723 1363779H$_reZ 1220 <strong>10</strong>96 20825 23141 <strong>10</strong>85 1112 19620 21818 (441) 2282 21454 23294 54 1371 18519 19944 126699 117947~r_m ì`mnma _| g§~§{YVàMbZ IM© 12183 4504 <strong>10</strong>5190 121878 9660 3538 81439 94636 14095 7122 94483 115699 13858 5613 83668 <strong>10</strong>3140 526259 434721AÝ` n[aemoYZ,_m\$s Ed§ àmdYmZ 134 82 8081 8298 81 76 7757 7914 268 <strong>10</strong>0 1931 2299 246 99 1948 2292 <strong>10</strong>500 9914{dXoer H$a 596 596 669 144Hw$b (~r) 33825 <strong>10</strong>434 434190 478449 34586 18187 4<strong>10</strong>962 463735 33729 31355 409132 474217 43751 22154 3<strong>10</strong>976 376882 2160851 1926505A{¾, g_wÐr, AÝ` ~r_mì`mnma go àMbZ bm^/(hm{Z gr=(E-~r) 11646 7<strong>10</strong>1 (6658) 12090 1884 (2782) (39500) (40398) 19975 (5381) 3477 18071 4417 (596) 7455 11276 (39641) (119061){d{Z`moJeò aYmaH$m| Ho$ ImVo _| A§VaU 11646 7<strong>10</strong>1 (6658) 12090 1884 (2782) (39500) (40398) 19975 (5381) 3477 18071 4417 (596) 7455 11276 (39641) (119061)ZmoQ>: H$moï>H$ _| Xem©`o J`o Am§H$S>o ZH$mamË_H$Vm H$mo Xem©Vo h¡ Ÿ&
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{ddaU am`b gwÝXa_ ~OmO Abm`§O Q>mQ>m EAmB©Or{ddaU 54(` bmIm| _|)A{¾ g_wÐr {d{dY <strong>2009</strong>-<strong>10</strong> 2008-09 A{¾ g_wÐr {d{dY <strong>2009</strong>-<strong>10</strong> 2008-09 A{¾ g_wÐr {d{dY <strong>2009</strong>-<strong>10</strong> 2008-09àr{_`_ A{O©V (ewÕ) 1293 <strong>10</strong>45 69148 71486 59806 11847 5643 170931 188420 189127 2011 6169 50793 58973 58748dm{f©H$ [anmoQ>© <strong>2009</strong>-<strong>10</strong>nm°{bgrYmaH$ ImVm: {ZOr joÌ Ho$ J¡a OrdZ ~r_mH$Vm©161{Zdoem| H$mo ~oMZo/Nw>S>mZo _| bm^-hm{Z 49 21 946 <strong>10</strong>16 499 67 21 607 695 1231 48 117 989 1155 157AÝ` 9 9 6 138 9 3332 3480 3146 13 (13) (140) (141) 236ã`mO, bm^m§e VWm {H$am`m - gH$b 351 96 5509 5956 5149 1617 498 14606 16721 14915 375 426 4729 5531 4709Hw$b (E) 1693 1162 75612 78467 65460 13670 6171 189476 209316 208419 2447 6699 56372 65518 63850CnJV Xmdo (ewÕ) 494 682 49731 50907 41235 6877 4577 127203 138657 135992 <strong>10</strong>22 4724 33892 39637 35567H$_reZ (251) 24 3304 3077 3206 (1574) 349 4401 3177 2378 (1928) 147 4009 2229 1982~r_m ì`mnma go g§~§{YV àMbZ 702 385 223<strong>10</strong> 23397 21955 4402 1512 48937 54851 59883 1140 2531 21345 25016 26885IM© àr{_`_ _| H$_rgh {~_m àemgZ ewëH$ 30 1 4 34 46haOmZm H$mof 145 145 172 24 24 23àr{_`_ H$s H$_r 212 212 354Xwgam| H$m {d{dY 96 96 173Hw$b (~r) 944 <strong>10</strong>92 75345 77381 66397 9706 6438 180898 197042 198779 263 7403 59369 67035 64503àMbZ bm^/hm{Z gr=(E-~r) 748 70 267 <strong>10</strong>86 (937) 3964 (268) 8578 12274 9640 2184 (703) (2997) (1517) (826){d{Z`moJeo`aYmaH$m| Ho$ ImVo _| A§VaU 748 70 267 <strong>10</strong>86 (937) 3964 (268) 8578 12274 9640 2184 (703) (2997) (1517) (826)AmnmVH$mbrZ [aOd© _| A§VaUAÝ` [aOd© _| A§VaUHw$b (gr) 748 70 267 <strong>10</strong>86 (937) 3964 (268) 8578 12274 9640 2184 (703) (2997) (1517) (826)ZmoQ>: H$moï>H$ _| Xem©`o J`o Am§H$S>o ZH$mamË_H$Vm H$mo Xem©Vo h¡ Ÿ&
Omar... {ddaU 54(` bmIm| _o){ddaU abm`§g BâH$mo Q>mo{H$`mo AmB©grAmB©grAmB© bm§~mS>©A{¾ g_wÐr {d{dY <strong>2009</strong>-<strong>10</strong> 2008-09 A{¾ g_wÐr {d{dY <strong>2009</strong>-<strong>10</strong> 2008-09 A{¾ g_wÐr {d{dY <strong>2009</strong>-<strong>10</strong> 2008-09dm{f©H$ [anmoQ>© <strong>2009</strong>-<strong>10</strong>nm°{bgrYmaH$ ImVm: {ZOr joÌ Ho$ J¡a OrdZ ~r_mH$Vm©162àr{_`_ A{O©V (ewÕ) 4074 1800 134051 139925 138886 4684 3969 83570 92222 83293 8993 3228 207061 219282 197365{Zdoem| H$mo ~oMZo/Nw>S>mZo _| bm^-hm{Z 134 28 1735 1897 1775 12 12 185 208 315 561 364 14778 15703 11263AÝ` 12 12 3 (235) 271 (64) (28) (4) (75) (32) (1582) (1690) (2182)ã`mO, bm^m§e VWm {H$am`m - gH$b 593 126 7686 8404 8041 595 585 9277 <strong>10</strong>457 8254 531 344 13962 14837 14211Hw$b (E) 4801 1954 143483 150237 148705 5055 4836 92968 <strong>10</strong>2860 91858 <strong>10</strong>0<strong>10</strong> 3904 234219 248133 220657CnJV Xmdo (ewÕ) 3172 1781 113616 118569 <strong>10</strong>7366 4383 4085 64799 73267 69502 6581 2668 18<strong>10</strong>14 190263 168454H$_reZ (1419) (53) (2047) (3519) (3155) (<strong>10</strong>47) (324) 3890 2519 (323) (1118) (790) 4013 2<strong>10</strong>6 (7558)~r_m ì`mnma go g§~§{YV àMbZ 1149 482 46433 48063 54<strong>10</strong>4 2931 2260 19736 24927 23962 4688 2468 48357 55514 67858IM© àr{_`_ _| H$_rgh ~r_m àemgZ ewëH$haOmZm H$mofàr{_`_ H$s H$_r (254) (254) 254 (985) (985) 680Xwgam| H$m {d{dYHw$b (~r) 2902 1956 158002 162860 158569 6266 6021 88425 <strong>10</strong>0713 93142 <strong>10</strong>152 3361 233384 246897 229433àMbZ bm^/hm{Z gr=(E-~r) 1898 (2) (14519) (12623) (9864) (1211) (1185) 4543 2147 (1284) (142) 543 835 1235 (8776){d{Z`moJeo`aYmaH$m| Ho$ ImVo _| A§VaU 1898 (2) (14519) (12623) (9864) (1211) (1185) 4543 2147 (1284) (142) 543 835 1235 (8776)AmnmVH$mbrZ [aOd© _| A§VaUAÝ` [aOd© _| A§VaUHw$b (gr) 1898 (2) (14519) (12623) (9864) (1211) (1185) 4543 2147 (1284) (142) 543 835 1235 (8776)ZmoQ>: H$moï>H$ _| Xem©`o J`o Am§H$S>o ZH$mamË_H$Vm H$mo Xem©Vo h¡ Ÿ&
Omar... {ddaU 54(` bmIm| _o){ddaU Mmobm_§S>b_ EMS>rE\$gr EaJmo âMyMa OZabrA{¾ g_wÐr {d{dY <strong>2009</strong>-<strong>10</strong> 2008-09 A{¾ g_wÐr {d{dY <strong>2009</strong>-<strong>10</strong> 2008-09 A{¾ g_wÐr {d{dY <strong>2009</strong>-<strong>10</strong> 2008-09àr{_`_ A{O©V (ewÕ) 1597 1216 43415 46229 38536 332 301 39373 40·006 17947 300 251 18197 18748 5682dm{f©H$ [anmoQ>© <strong>2009</strong>-<strong>10</strong>nm°{bgrYmaH$ ImVm: {ZOr joÌ Ho$ J¡a OrdZ ~r_mH$Vm©163{Zdoem| H$mo ~oMZo/Nw>S>mZo _| bm^-hm{Z 45 24 433 501 128 8 3 236 247 167 9 3 76 88 15AÝ` 5 2 1 7 12 (3) (1) 689 686 363 1 0 5 6 2ã`mO, bm^m§e VWm {H$am`m - gH$b 342 113 3051 3506 2702 79 29 2270 2378 1252 73 26 601 700 262Hw$b (E) 1988 1355 46900 50243 41378 416 332 42568 43316 19730 383 280 18878 19542 5960CnJV Xmdo (ewÕ) 1215 993 32226 34434 27578 522 465 38600 39586 14489 549 301 16066 16915 6003H$_reZ (476) (355) (1314) (2145) (2801) (1822) (174) (1747) (3743) (2034) (607) (94) (<strong>10</strong>25) (1726) (737)~r_m ì`mnma go g§~§{YV àMbZ <strong>10</strong>53 925 17417 19395 16395 650 184 17444 18278 <strong>10</strong>751 1452 531 12290 14274 9878IM© àr{_`_ _| H$_rgh ~r_m àemgZ ewëH$haOmZm H$mof 21 21 9àr{_`_ H$s H$_r 128 128 50 (26) 24 51Xwgam| H$m {d{dYHw$b (~r) 1792 1563 48457 51812 41173 (650) 475 54297 54121 23206 1443 738 27326 29508 15205àMbZ bm^/hm{Z gr=(E-~r) 196 (208) (1557) (1569) 206 <strong>10</strong>67 (143) (11729) (<strong>10</strong>805) (3476) (<strong>10</strong>60) (458) (8448) (9967) (9245){d{Z`moJeo`aYmaH$m| Ho$ ImVo _| A§VaU 196 (208) (1557) (1569) 206 <strong>10</strong>67 (143) (11729) (<strong>10</strong>805) (3476) (<strong>10</strong>60) (458) (8448) (9967) (9245)AmnmVH$mbrZ [aOd© _| A§VaUAÝ` [aOd© _| A§VaUHw$b (gr) 196 (208) (1557) (1569) 206 <strong>10</strong>67 (143) (11729) (<strong>10</strong>805) (3476) (<strong>10</strong>60) (458) (8448) (9967) (9245)ZmoQ>: H$moï>H$ _| Xem©`o J`o Am§H$S>o ZH$mamË_H$Vm H$mo Xem©Vo h¡ Ÿ&
Omar... {ddaU 54(` bmIm| _o){ddaU `y{Zdg©b gmoånmo lram_ ^maVr EŠgmA{¾ g_wÐr {d{dY <strong>2009</strong>-<strong>10</strong> 2008-09 A{¾ g_wÐr {d{dY <strong>2009</strong>-<strong>10</strong> 2008-09 A{¾ g_wÐr {d{dY <strong>2009</strong>-<strong>10</strong> 2008-09àr{_`_ A{O©V (ewÕ) 1263 13 6248 7524 (87) 75 2 13528 13605 1715 234 145 7986 8364 (278)dm{f©H$ [anmoQ>© <strong>2009</strong>-<strong>10</strong>nm°{bgrYmaH$ ImVm: {ZOr joÌ Ho$ J¡a OrdZ ~r_mH$Vm©164{Zdoem| H$mo ~oMZo/Nw>S>mZo _| bm^-hm{Z 11 1 39 50 0 0 0 1 1 78AÝ` (8) (0) (30) (39) 9 0 317 317 57 2 0 18 20 135ã`mO, bm^m§e VWm {H$am`m - gH$b <strong>10</strong>5 6 485 596 146 4 0 <strong>10</strong>61 <strong>10</strong>66 320 53 <strong>10</strong> 516 579 146Hw$b (E) 1370 19 6742 8131 68 79 2 14907 14988 2093 288 156 8521 8964 82CnJV Xmdo (ewÕ) 879 88 4782 5749 241 63 1 9535 9599 1200 906 178 7536 8619 289H$_reZ 64 (19) 640 685 <strong>10</strong>0 (13) 0 (629) (642) 9 (368) (12) (660) (<strong>10</strong>40) (114)~r_m ì`mnma go g§~§{YV àMbZ 1875 170 6299 8344 2743 25 0 4078 4<strong>10</strong>3 1861 1422 273 13909 15604 5447IM© àr{_`_ _| H$_rgh ~r_m àemgZ ewëH$haOmZm H$mof 8 8 0àr{_`_ H$s H$_r 428 428Xwgam| H$m {d{dY 5 1 2 8 3Hw$b (~r) 2823 240 11731 14794 3087 75 2 12983 13060 3069 1959 439 21212 23611 5622àMbZ bm^/hm{Z gr=(E-~r) (1452) (221) (4989) (6663) (3019) 4 (0) 1923.99 1928 (977) (1671) (284) (12692) (14647) (5540){d{Z`moJeo`aYmaH$m| Ho$ ImVo _| A§VaU (1452) (221) (4989) (6663) (3019) 4 (0) 1924 1928 (977) (1671) (284) (12692) (14647) (5540)AmnmVH$mbrZ [aOd© _| A§VaUAÝ` [aOd© _| A§VaUHw$b (gr) (1452) (221) (4989) (6663) (3019) 4 (0) 1924 1928 (977) (1671) (284) (12692) (14647) (5540)ZmoQ>: H$moï>H$ _| Xem©`o J`o Am§H$S>o ZH$mamË_H$Vm H$mo Xem©Vo h¡ Ÿ&
{ddaU ahoOm Š`y~rB© Hw$bA{¾ g_wÐr {d{dY <strong>2009</strong>-<strong>10</strong>àr{_`_ A{O©V (ewÕ) (74) (5) (252) (331) 904453 790741{Zdoem| H$mo ~oMZo/Nw>S>mZo _| bm^-hm{Z 0 0 21561 15629AÝ` 2 2 2640 1783ã`mO, bm^m§e VWm {H$am`m - gH$b 0 0 3 3 70734 60<strong>10</strong>7Hw$b (E) (73) (5) (247) (326) 999389 868260CnJV Xmdo (ewÕ) 1 1 44 45 726249 607916H$_reZ (1) 0 1 0 976 (9046)Hw$b (~r) 98 <strong>10</strong> 1132 1240 <strong>10</strong>40074 902185Omar... {ddaU 54(` bmIm| _o)dm{f©H$ [anmoQ>© <strong>2009</strong>-<strong>10</strong>nm°{bgrYmaH$ ImVm: {ZOr joÌ Ho$ J¡a OrdZ ~r_mH$Vm©165~r_m ì`mnma go g§~§{YV àMbZ IM© àr{_`_ _| H$_r 97 9 <strong>10</strong>88 1195 312961 301722gh ~r_m àemgZ ewëH$ 34 98haOmZm H$mofàr{_`_ H$s H$_r (447) 16496Xwgam| H$m {d{dYàMbZ bm^/hm{Z gr=(E-~r) (171) (15) (1380) (1566) (40686) (34098){d{Z`moJeo`aYmaH$m| Ho$ ImVo _| A§VaU (171) (15) (1380) (1566) (40686) (34098)AmnmVH$mbrZ [aOd© _| A§VaUAÝ` [aOd© _| A§VaUHw$b (gr) (171) (15) (1380) (1566) (40686) (34098)ZmoQ>: H$moï>H$ _| Xem©`o J`o Am§H$S>o ZH$mamË_H$Vm H$mo Xem©Vo h¡ Ÿ&
[ddaU 55(` bmIm| _o){ddaU am`b ~OmO Q>mQ>m [abm`m§g BâH$mo AmB©grAmB©grAmB© Mmobm_§S>b_gwÝXa_ Abm`m§O EAmB©Or Q>mo{H$`mo bm§~mS>©<strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09àMbZ bm^/(hm{Z)H$) A{¾ ~r_m 748 533 3964 2980 2184 2280 1898 18<strong>10</strong> (1211) 514 (142) (2301) 196 663I) g_wXr ~r_m 70 (181) (268) (<strong>10</strong>79) (703) (1878) (2) (1135) (1185) (884) 543 (5740) (208) 178gr) {d{dY ~r_m 267 (1288) 8578 7739 (2997) (1228) (14519) (<strong>10</strong>539) 4543 (914) 835 (735) (1557) (635){Zdoem| go Am`H$) ã`mO, bm^m§e Ed§ {H$am`m (gH$b) 1888 1708 5650 4923 2223 2179 3955 3960 1300 1899 8117 8141 <strong>10</strong>90 975I) {Zdoem| H$s {~H«$s na bm^ 411 201 270 812 611 93 <strong>10</strong>58 9<strong>10</strong> 26 73 8589 6452 229 46KQ>m`o: {Zdoem| H$s {~«H$s go hm{Z (35) (406) (177) 13 (165) (36) (956) (1272) (0)AÝ` Am` 20 32 <strong>10</strong>2 453 40 85 135 51 437 42 24 1 535 18Hw$b (E) 3405 <strong>10</strong>04 18261 15423 1180 1542 (7640) (4978) 39<strong>10</strong> 730 17009 4546 285 1245AÝ` IM©H$) ~r_m ì`mnma Ho$ Abmdm AÝ` IM© 5 28 249 277 0 (5) (39) (39) 49 38 70 62 50I) gbH$ F$U H$s _m\$s 86J) AÝ` 3 802 <strong>10</strong>4Hw$b (~r) 5 31 280 446 2 593 (1415) (39) 49 38 1179 4518 <strong>10</strong>0 60H$a go nyd© bm^ 3401 973 17980 14977 1178 950 (9055) (5017) 3861 692 15831 27 185 1185(700)H$a Ho$ {b`o àmdYmZ (304) (407) (5898) (5461) 191 (526) 4012 (215) (1323) (442) (1438) 2335 51 (486)H$a Ho$ nûMmV bm^ 3097 566 12083 9516 670 424 (5043) (5232) 2538 250 14393 2362 236 699{d{Z`moJA) df© Ho$ Xm¡amZ {H$`o J`o A§V[a_ bm^m§e 6452Am) àñVm{dV 741 <strong>10</strong>97B) bm^m§e {dVaU na 126B©) {H$gr [aOd© `m AÝ` ImVo _o hñVm§V[aV 1512 <strong>10</strong>79 561{nN>bo df© H$s AñWm{JV H$a `mOmar Omo{I_ Ho$ {bE aOd©C)[aOd© V~mhrnyd© df© Ho$ bm^-hm{Z eof H$mo {b`m J`m 1282 715 39562 30047 2409 3497 (16547) (11315) 5629 5379 11686 9324 539 401eof H$mo VwbZ nÌ _| ^oOm J`m 4379 1282 51645 39562 3079 2409 (21589) (16547) 7300 5629 17450 11686 775 539ZmoQ>: H$moï>H$ _| Xem©`o J`o Am§H$S>o ZH$mamË_H$Vm H$mo Xem©Vo h¡ Ÿ&dm{f©H$ [anmoQ>© <strong>2009</strong>-<strong>10</strong>A§eYmaH$ ImVm: {ZOr joÌ Ho$ J¡a OrdZ ~r_mH$Vm©166àmdYmZ (H$a go A{V[aº$)H$) {Zdoem| Ho$ _yë` H$mo H$_ H$aZo Ho$ {b`o 4352 50 60I) g§XohmñnX F$Um| Ho$ {b`o 31 169 1 512 307J) AÝ` (1376)
Omar... {ddaU 55(` bmIm| _|){ddaU EMS>rE\$gr EaJmo â`yMa OZabr `y{Zdg©b gmoånmo lram_ ^maVr EŠgm ahoOm Š`y~rB© Hw$b<strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong> <strong>2009</strong>-<strong>10</strong> 2008-09àMbZ bm^/(hm{Z)H$) A{¾ ~r_m <strong>10</strong>67 691 (<strong>10</strong>60) (683) (1452) (1198) 4 (47) (1671) (497) (171) 4354 4746I) g_wXr ~r_m (143) (185) (458) (287) (221) (69) (0) (5) (284) (139) (15) (2874) (11404)gr) {d{dY ~r_m (11729) (3982) (8448) (8275) (4989) (1752) 1925 (925) (12692) (4904) (1380) (42164) (27440){Zdoem| go Am`H$) ã`mO, bm^m§e Ed§ {H$am`m (gH$b) 1284 843 958 858 1288 1651 516 511 204 165 992 29464 27812I) {Zdoem| H$s {~H«$s na bm^ 133 113 117 48 130 125 88 <strong>10</strong> 117<strong>10</strong> 8836KQ>m`o: {Zdoem| H$s {~«H$s go hm{Z 26 13 (3) (13<strong>10</strong>) (1688)AÝ` Am` (54) (1) (25) (11) (<strong>10</strong>0) (42) 14 1 91 152 9 1228 782Hw$b (E) (9442) (2521) (8917) (8350) (5345) (1411) 2485 (452) (14226) (5135) (558) 407 1644AÝ` IM©H$) ~r_m ì`mnma Ho$ Abmdm AÝ` IM© 4 12 <strong>10</strong>9 0 0 11 5 562 21 432 <strong>10</strong>37I) gbH$ F$U H$s _m\$s 86J) AÝ` 42 37 8 8 73 35 852 259Hw$b (~r) 4 54 146 8 8 11 78 597 21 298 6476H$a go nyd© bm^ (9446) (2521) (8970) (8496) (5353) (1419) 2474 (529) (14226) (5732) (579) (2720) (49<strong>10</strong>)nyd©H$m{bH$ AmnXm gwYma ImVm (700)H$a Ho$ {b`o àmdYmZ 16 (53) (37) 146 (20) (887) 139 (4) (44) (5436) (5216)H$a Ho$ nûMmV bm^ (9430) (2575) (8970) (8533) (5207) (1439) 1587 (390) (14230) (5775) (579) (8856) (<strong>10</strong>126)ñdm`{ÎmH$aUA) df© Ho$ Xm¡amZ {H$`o J`o A§V[a bm^m§e 6452Am) àñVm{dV 1838B) bm^m§e {dVaU na 126B©) {H$gr [aOd© `m AÝ` ImVo _o A§V[aV <strong>10</strong>79 2073C)[aOd© V~mhrnyd© df© Ho$ bm^-hm{Z eof H$mo {b`m J`m (7284) (47<strong>10</strong>) (<strong>10</strong>466) (1933) (1469) (30) (390) (7127) (1352) (920) 16905 30024eof H$mo VwbZ nÌ _| ^oOm J`m (16715) (7284) (19436) (<strong>10</strong>466) (6676) (1469) 1197 (390) (21358) (7127) (1499) (1447) 17825ZmoQ>: H$moï>H$ _| Xem©`o J`o Am§H$S>o ZH$mamË_H$Vm H$mo Xem©Vo h¡ Ÿ&dm{f©H$ [anmoQ>© <strong>2009</strong>-<strong>10</strong>A§eYmaH$ ImVm: {ZOr joÌ Ho$ J¡a OrdZ ~r_mH$Vm©167àmdYmZ (H$a go A{V[aº$)H$) {Zdoem| Ho$ _yë` H$mo H$_ H$aZo Ho$ {b`o 50 4412I) g§XohmñnX F$Um| Ho$ {b`o 339 681J) AÝ` (1376)
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peejer... mebueivekeÀ 8DeÒewue <strong>2009</strong>* mes ÒeeefOekeÀej Üeje peejer HeefjHe$e / DeeosMe / DeefOemet®eveeSB¬eÀ.meb. meboYe& mebK³eepeejer keÀjves keÀer efleefLe efJe
peejer... mebueivekeÀ 8DeÒewue <strong>2009</strong>* mes ÒeeefOekeÀej Üeje peejer HeefjHe$e / DeeosMe / DeefOemet®eveeSB29. DeeF&Deej[erS/Smeerìer/meerDeeF&Deej/HeerDeej[er/ 20-08-<strong>2009</strong> ³etefveì efuebkeÌ[ GlHeeo - cetu³eeW ceW efve³eb$eCe053/08/<strong>2009</strong>30. DeeF&Deej[erS/SHeÀ SC[ DeeF&/meerDeeF&Deej/ 24-08-<strong>2009</strong> Svìer ceveer uee@C[efjbie ceeie&oMe&veSSceSue/054/08/<strong>2009</strong>31. DeeF&Deej[erS/meerS®eSce/peer[erSue/meerDeeF&Deej/057/09/<strong>2009</strong>02-09-<strong>2009</strong> keÀe@Heexjsì SpeWmeer keÀjejkeÀe SkeÀ yeercee Òeoelee mes otmejs keÀesnmleeblejCe32. DeeF&Deej[erS/S®eSueìer/SceDeeF&Smemeer/meerDeeF&Deej/061/09/<strong>2009</strong>02-09-<strong>2009</strong> meeceev³e yeercee kebÀHeefve³eeW keÀer mJeemL³e yeercee Hee@efueefme³eeW ceWcegkeÌle DeJeueeskeÀve DeJeefOe33. DeeF&Deej[erS/SHeÀ SC[ DeeF&/meerDeeF&Deej/ 09-09-<strong>2009</strong> ceveer uee@C[efjbie (mebMeesOeve) DeefOeefve³ece, <strong>2009</strong> keÀer jeskeÀLeeceSSceSue/062/09/<strong>2009</strong>34. DeeF&Deej[erS/Sme³etDeej/peer[erSue/DeesDeej[er/ 15-09-<strong>2009</strong> efovesMe®evo pewve kesÀ efJe©× DeeosMe063/09/<strong>2009</strong>35. DeeF&Deej[erS/ueeFHeÀ/SceDeeF&Smemeer/meerDeeF&Deej/ 15-09-<strong>2009</strong> Òeerefce³ece Òeefleef#ele Hee@efueefme³eeB037/09/<strong>2009</strong>36. DeeF&Deej[erS/Sme³etDeej/peer[erSue/DeesDeej[er/ 15-09-<strong>2009</strong> keÀu³eeCe Òemeeo mesve kesÀ efJe©× DeeosMe064/09/<strong>2009</strong>37. DeeF&Deej[erS/SHeÀ SC[ DeeF&/meerDeeF&Deej/DeeF&SveJeer/036/09/<strong>2009</strong>17-09-<strong>2009</strong> DeeF&DeeF&SHeÀmeerSue keÀj ueieves ³eesi³e yeeb[dme - mJeerke=ÀleÒeefleYetefle³eeB38. DeeF&Deej[erS/SpeerìerSme/SceDeeF&Smemeer/SveDeesìer/059/09/<strong>2009</strong>18-09-<strong>2009</strong> yeercee DeefOeefve³ece, 1938 kesÀ Deveg®íso 1<strong>10</strong> meer kesÀ Debleie&leveesefìme39. DeeF&Deej[erS/meerS®eSce/meerDeeF&Deej/SveDeesìer/065/<strong>10</strong>/<strong>2009</strong>01-<strong>10</strong>-<strong>2009</strong> yeercee DeefOeefve³ece, 1938 kesÀ Deveg®íso 1<strong>10</strong> meer kesÀ Debleie&leveesefìme40. DeeF&Deej[erS/SHeÀ SC[ DeeF&/meerDeeF&Deej/DeeF&SveJeer/040/<strong>10</strong>/<strong>2009</strong>05-<strong>10</strong>-<strong>2009</strong> ScemeerSkeÌme mìe@keÀ SkeÌme®eWpe efueefceìs[ - ceev³elee ÒeeHle mìe@keÀSkeÌme®eWpe41. DeeF&Deej[erS/meerS®eSce/meerDeeF&Deej/DeeF&HeerDees/066/<strong>10</strong>/<strong>2009</strong>08-<strong>10</strong>-<strong>2009</strong> yeercee ÒeoeleeDeeW Üeje meeJe&peefvekeÀ Kegueemes Hej DeveeJejCecemeewoe42. DeeF&Deej[erS/Sme³etDeej/meerDeeF&Deej/DeesDeej[er/067/<strong>10</strong>/<strong>2009</strong>08-<strong>10</strong>-<strong>2009</strong> yeercee DeefOeefve³ece, 1938 kesÀ Deveg®íso 64 ³etSce (2) kesÀDebleie&le yeercee ÒeoeleeDeeW keÀes efJeMes
peejer... mebueivekeÀ 8DeÒewue <strong>2009</strong>* mes ÒeeefOekeÀej Üeje peejer HeefjHe$e / DeeosMe / DeefOemet®eveeSB67. DeeF&Deej[erS/SHeÀ SC[ DeeF&/meerDeeF&Deej/SHeÀ SC[ 28-01-20<strong>10</strong> yeercee ÒeoeleeDeeW Üeje meeJe&peefvekeÀ KegueemeeS/012/01/20<strong>10</strong>68. DeeF&Deej[erS/SHeÀ SC[ DeeF&/meerDeeF&Deej/SHeÀ SC[ 29-01-20<strong>10</strong> keÀe@Heexjsì ieJeve&vme ceeie&oMe&veS/014/01/20<strong>10</strong>69. DeeF&Deej[erS/SHeÀ SC[ DeeF&/DeesDeej[er/DeeF&Sve/015/02/20<strong>10</strong>01-02-20<strong>10</strong> yeercee DeefOeefve³ece 1938 kesÀ Deveg®íso <strong>10</strong>4 kesÀ Debleie&le uesJeerkeÀer Hesveeuìer70. DeeF&Deej[erS/SHeÀ SC[ DeeF&/meerDeeF&Deej/ 03-02-20<strong>10</strong> ceveer uee@C[efjbie (mebMeesOeve) DeefOeefve³ece, <strong>2009</strong> keÀer jeskeÀLeeceSSceSue/016/02/20<strong>10</strong>71. DeeF&Deej[erS/SHeÀ SC[ DeeF&/meerDeeF&Deej/ 04-02-20<strong>10</strong> ceveer uee@C[efjbie keÀer jeskeÀLeeceSSceSue/016/02/20<strong>10</strong>72. DeeF&Deej[erS/SuepeerSue/SceDeeF&Smemeer/DeesDeej[er/017/02/20<strong>10</strong>08-02-20<strong>10</strong> yeercee DeefOeefve³ece 1938 ceW mebMeesOeve kesÀ GÎsM³e mes meefceefle keÀeieþve73. DeeF&Deej[erS/meerDeeF&Deej/DeejDeeF&Sve/018/02/20<strong>10</strong>08-02-20<strong>10</strong> FefC[³eve jerFveM³etjj 20<strong>10</strong>-11 Dee@eqyueiesìjer mesMevme kesÀ meeLeHegveyeeacee74. DeeF&Deej[erS/Smeerìer/meerDeeF&Deej/peerF&Sve/021/ 11-02-20<strong>10</strong> efve³egkeÌle yeerceebkeÀkeÀeW keÀer Jeeef
peejer... mebueivekeÀ 8DeÒewue <strong>2009</strong>* mes ÒeeefOekeÀej Üeje peejer HeefjHe$e / DeeosMe / DeefOemet®eveeSB<strong>10</strong>5. DeeF&Deej[erS/SveSue/meerDeeF&Deej/SceDeeF&Smemeer/ 17-06-20<strong>10</strong> yeercee keÀJej keÀer os³elee kesÀ efueS mìQ[[& ÒeHeespeue HeÀece&<strong>10</strong>1/06/20<strong>10</strong><strong>10</strong>6. DeeF&Deej[erS/Smeerìer/meerDeeF&Deej/³etueerHe/<strong>10</strong>2/ 19-06-20<strong>10</strong> ³etefueHe ceW efveieefcele efkeÀ³es peeves Jeeues lelJe06/20<strong>10</strong><strong>10</strong>7. DeeF&Deej[erS/meerSpeerìerSme/peer[erSue/SuemeerF&/<strong>10</strong>6/06/20<strong>10</strong>28-06-20<strong>10</strong> efveieefcele DeefYekeÀlee&DeeW kesÀ efueS efveie&ce/ueeFmeWme kesÀ veJeerveerkeÀjCeHej ceeie&oMe&ve<strong>10</strong>8. DeeF&Deej[erS/SpeerìerSme/DeesDeej[er/ 06-07-20<strong>10</strong> yeercee DeefYekeÀlee&DeeW kesÀ Hejer#ee kesÀvêeW keÀe kebÀH³etìjerkeÀjCeìerDeejSvepeer/<strong>10</strong>9/07/20<strong>10</strong><strong>10</strong>9. DeeF&Deej[erS/ueeFHeÀ/meerDeeF&Deej/SceDeeF&Smemeer/ 12-07-20<strong>10</strong> jsHeÀjue DejWpeceWì Hej HeefjHe$eeW keÀes jÎ keÀjvee1<strong>10</strong>/07/20<strong>10</strong>1<strong>10</strong>. DeeF&Deej[erS/DeeF&ìer/Sveìermeer/SceDeeF&Sme/111/07/20<strong>10</strong>14-07-20<strong>10</strong> lekeÀveerkeÀer yeesueer kesÀ efueS DeeF&ìer HeÀceeX kesÀ F&DeejHeer efmemìcmemìspe 1 íBìeF& Deceue ceW ueevee111. DeeF&Deej[erS/yeerDeejkesÀ/DeesDeej[er/Suemeer/112/ 16-07-20<strong>10</strong> ye´eskeÀj ueeFmeWme keÀes jÎ keÀjvee07/20<strong>10</strong>112. DeeF&Deej[erS/SHeÀ SC[ DeeF&/DeesDeej[er/SHeÀ SC[ 19-07-20<strong>10</strong> uesJeer Dee@HeÀ HesveeuìerS/114/07/20<strong>10</strong>113. DeeF&Deej[erS/SHeÀ SC[ DeeF&/meerDeeF&Deej/DeeF&SveJeer/115/07/20<strong>10</strong>21-07-20<strong>10</strong> meefì&efHeÀkesÀì Dee@HeÀ ef[Heeefpeì (meer[er) Deewj keÀceefMe&³eue HesHeme&(meerHeer) ceW Deesìermeer ì^evpeskeÌMeve keÀer efjHeesefì¥ie114. DeeF&Deej[erS/SveSue/DeesDeej[er/DeejDeeF&Sve/117/07/20<strong>10</strong>26-07-20<strong>10</strong> cesmeme& keÌueewIe Fbpeerefve³eefjbie Deewj cesmeme& DeesSvepeermeer vessMeveueFbM³eesjWme kebÀHeveer keÀes peejer veerefle³eeB115. DeeF&Deej[erS/ueeFHeÀ/DeesDeej[er/SceDeeF&Smemeer/ 26-07-20<strong>10</strong> jsHeÀjue kebÀHeefve³eeW keÀer mJeerke=Àefle120/07/20<strong>10</strong>116. DeeF&Deej[erS/SveSue/DeesDeej[er/DeejDeeF&Sve/118/07/20<strong>10</strong>26-07-20<strong>10</strong> S³ejHeesì& uee³eefyeefueìer FbM³etjWme Hee@efuemeer-vesMeveue FbM³etjWmekebÀHeveer117. DeeF&Deej[erS/SuepeerSue/DeesDeej[er/DeesDeej[er/ 27-07-20<strong>10</strong> SmeyeerDeeF& ueeFHeÀ FbM³etjWme keÀes keÀejCe yeleeDees veesefìme122/07/20<strong>10</strong>118. DeeF&Deej[erS/SuepeerSue/DeesDeej[er/DeesDeej[er/27-07-20<strong>10</strong> keÀe³e& mLeue efvejer#eCe Hej <strong>10</strong> <strong>10</strong> ueeKe ©He³es keÀe DeLe&oC[-SmeyeerDeeF&keÀe123/07/20<strong>10</strong>ueeFHeÀ DeLe&oC[-SmeyeerDeeF& FbM³etjWme ueeFHeÀ FbM³etjWme119. DeeF&Deej[erS/SkeÌì/meerDeeF&Deej/³etueerHe/124/08/ 04-08-20<strong>10</strong> ³etefueHe Hej mHeäerkeÀjCe20<strong>10</strong>120. DeeF&Deej[erS/ueeF&HeÀ/SceDeeF&Smemeer/meerDeeF&Deej/125/08/20<strong>10</strong>05-08-<strong>2009</strong> DeeF&Deej[erS (yeercee efJe%eeHeve Deewj Kegueemee) mebMeesOeveefJeefve³eecekeÀ, 20<strong>10</strong>121. DeeF&Deej[erS/ueeFHeÀ/meerDeeF&Deej/SceDeeF&Smemeer/ 09-08-20<strong>10</strong> jsHeÀjue DejWpeceWì - Kelce keÀj osvee126/08/20<strong>10</strong>122. DeeF&Deej[erS/meerSpeerìerSme/meerDeeF&Deej/SuemeerF&/ 11-08-20<strong>10</strong> jsHeÀjue keÀjej mes efveieefcele DeefYekeÀlee& kesÀ HeefjJele&ve127/08/20<strong>10</strong>123. DeeF&Deej[erS/ueeFHeÀ/SceDeeF&Smemeer/meerDeeF&Deej/ 16-08-20<strong>10</strong> peerJeve yeercee GlHeeoeW keÀe efJe%eeHeve129/08/20<strong>10</strong>124. DeeF&Deej[erS/SveSue/DeesDeej[er/DeejDeeF&Sve/130/08/20<strong>10</strong>17-08-20<strong>10</strong> S³ejHeesì& uee³eefyeefueìer FbM³etjWme mes mebyebefOele ceeceues ceW DeesefjSbìueFbM³etjWme kebÀHeveer efueefceìs[ kesÀ efJe©× DeeF&Deej[erS keÀe DeeosMe125. DeeF&Deej[erS/SveSue/DeesDeej[er/DeejDeeF&Sve/132/08/20<strong>10</strong>17-08-20<strong>10</strong> S³ejHeesì& uee³eefyeefueìer FbM³etjWme mes mebyebefOele ceeceues ceW ³etveeFìs[Fbef[³ee FbM³etjWme kesÀ efJe©× DeeF&Deej[erS keÀe DeeosMe126. 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Omar.... ànÌ (E)nyd© df© Ho$ {bE AmH§$S>| Xm{`Ëd Mmby df© Ho$ {bE Am§H$S>o nyd© df© Ho$ {bE n[ag§n{Îm`m± Mmby df© Ho$ {bEAm§H$S>o(`.) (`.) (`.) (`.)2008-09 <strong>2009</strong>-<strong>10</strong> 2008-09 <strong>2009</strong>-<strong>10</strong>(EZ lr{Zdmg amd) (Or à^mH$am) (Ama H$ÞZ)_w»` boIm A{YH$mar gXñ` gXñ`(Ho$.Ho$. lr{Zdmg) (Ama Ho$ Zm`a) (Oo. h[a Zmam`U)gXñ` gXñ` AÜ`jdm{f©H$ [anmoQ>© <strong>2009</strong>-<strong>10</strong>~r_m {d{Z`m_H$ Am¡a {dH$mg àm{YH$aU31 _mM© 20<strong>10</strong> H$mo VwbZ nÌdV©_mZ Xm{`Ëd VWm àmdYmZ({Q>ßnUr 5 XoI|)i) {d{dY boZXma:58,676 -n§OrJV _Xm| Ho$ {bE25,521,239 -AÝ` _Xm| Ho$ {bE 18,929,261ii) àmdYmZ::<strong>10</strong>6,500 -g§{X½Y H$O© Am¡a A{J«_m| Ho$ {bE àmdYmZ226-{Zdoe Ho$ _mZ _| {JadQ> Ho$ {bE àmdYmZ 6,960,174iii) AÝ` Xm{`Ëd:- 1. Aì`{`V AZwXmZ- 2. emgH$s`/AÝ` F$Um| na ^wJVmZ `mo½` ã`mO3. ^{dî` {Z{Y, godm{Zd¥{Îm VWm AÝ` H$ë`mUH$mar H$mof:757,070 H$) ^{dî` {Z{Y 1,392,984I) AÝ` H$ë`mUH$mar H$mof14,2<strong>10</strong>,0<strong>10</strong> J) godm {Zd¥{Îm H$mof VWm ñQ>m°H$ H$ë`mU H$mof: 19,895,0904. AÝ` ({Z{X©ï> H$a|)1,549,804 -AÝ` Xm{`Ëd (óVmo na H$a H$Q>moVr) 1,426,458760,958,032 -noeJr àmá n§Or`Z ZdrZrH$aU ewëH$ 946,856,096<strong>10</strong>7,377 -gm°âQ> \${ZetJ [aH$dar 125,2424,937,418 godm AmodaS´>mâQ>4,936,430,588 6,502,215,311 4,936,430,588 6,502,215,311_hËdnyU© boIm H$mo V¡`ma H$aZo dmbo {hñgm| H$s nm°{b{g`m± VWm {Q>ßn{U`m± - g§b¾H$ IXZmoQ>:1 ñWm`r n[ag§n{Îm`m| go g§~§{YV gyMZmE± g§b¾H$ 1 _| Xr JB© h¡ Ÿ&2 {Zdoe _| g§~§{YV gyMZm g§b¾H$ 2 _| Xr JB© h¡ Ÿ&3 dV©_mZ n[ag§n{Îm`m±, F$U VWm A{J«_ go g§~§{YV OmZH$mar g§b¾ 3 _| Xr JB© h¡ Ÿ&4 AmB©AmaS>jE H$mof Ho$ {ddaU g§b¾ 4 _| {XE JE h¡ Ÿ& (H$mof _| A{Y{Z`_ H$s Ymam 16 Ho$ AÝVJ©V Ho$ÝÐ gaH$ma, AÝ` g§JR>Z VWm {ZH$m`m| go àmá AZwXmZ em{_b h¡)5 AmH$pñ_H$ Xm{`Ëdm| Ho$ {ddaU g§JëZ 5 _| {XE JE h¡ Ÿ&6 _hËdnyU© boIm nm°{b{g`m| VWm boIm| Ho$ ^mJm| H$mo V¡`ma H$aZo dmbr {Q>ßn{U`m| g| g§~§{YV gyMZmE± g§b¾H$ 9 _| Xr JB© h¡ Ÿ&7 ì`dgm` Ho$ {ddU VWm {Q>ßn{U`m|/boImAm| Ho$ ^mJm| H$mo ~ZmZo dmbr boIm nm°{b{g`m| go g§~§{YV gyMZmAm| Ho$ g_ñV g§b¾H$ Ÿ&
- ã`mO (ZmoQ 3> XoI|) 2,752,030 gd}jH$ ewëH$ 2,687,2114,379,975 Ad_yë`Z 6,334,453 350,000 ~r_mH$Vm© ewëH$ <strong>10</strong>0,000- ~Q²>Q>o ImVo _| S>mbHr XJB© n§OrJV n[ag§n{Îm`m± - A{^H$Vm© ewëH$ -- n[ag§n{Îm`m| Ho$ ~Å>oImVo S>mboZ OmZo na hm{Z - 1,691,000 ~«moH$a ewëH$ 20,000- g{X½Y F$U VWm A{J«_m| Ho$ {bE àmdYmZ - Q>rnrE ewëH$ -- {dH$mg ì``25,607,734 {dkmnZ g§~§Yr ì`` 7,473,608275,240 AÝ` ì`` 183,769 ZdrZrH$aU ewëH$dm{f©H$ [anmoQ>© <strong>2009</strong>-<strong>10</strong>~r_m {d{Z`m_H$ Am¡a {dH$mg àm{YH$aU31 _mM© 20<strong>10</strong> H$mo g_má df© Ho$ {bE Am` VWm ì`` ImVmànÌ (~r)nyd© df© Ho$ {bE AmH§$S>| (`.) ì`` Mmby df© Ho$ {bE Am§H$S>o nyd© df© Ho$ {bE Am` Mmby df© Ho$ {bEAm§H$S>o2008-09 (`.) (`.) (`.)17,<strong>10</strong>3,354 AÜ`j Am¡a gXñ`m| H$mo ^wJVmZ 20,956,816 - AZwXmZ83,177,191 ñQ>m°\$ gXñ`m| H$mo ^wJVmZ VWm àmdYmZ ({Q>ßnUr 1 X|I|) 98,667,761 - àmá -67,<strong>10</strong>3,197 ñWmnZm ì`` ({Q>ßnUr 2 XoIo) 61,492,673 - àm{á `mo½` -9,902,866 ^mS>m 5,951,759 - KQ>mE±: n§yOr {Z{Y _| hñVmÝV[aV -- AZwg§YmZ VWm nam_e© ewëH$ 11,412,683 - ewëH$:- go{_Zma, AYdoeZ, àH$meZ Am{X (à{V Xe° XoI|) 5,308,705 - n§OrH$aU ewëH$2272,149,862 AZwf§Jr bm^ H$a - 572,857,261 AZwkm{á H$m ZdrZrH$aU - ~r_mH$Vm© 730,009,0771,211,155,021 df© Ho$ {bE AJo«ZrV H$s Jg© ì`` go A{YH$ Am`1,378,405,544 443,519,850 AZwkm{á H$m ZdrZrH$aU-A{H$Vm© 382,132,30021,632,405 AZwkm{á H$m ZdrZrH$aU-Xbmb 28,694,833360,000 AZwkm{á H$m ZdrZrH$aU-Q>rnrE 60,<strong>10</strong>0AÝ`1,612,842 empñV`m±, AW©XÊS> Am{X 6,500,000- go{_Zma, A{YdoeZ VWm àH$meZ Am{X{Zdoe go Am` - AZwgy{MV ~¢H$m| _| O_m am{e`m| na ã`mO373,904,371 O_mAm| na ã`mO 442,157,515A{J«_| na ã`mO -1,974,671 i) Amdmgr` VWm AÝ` à`OZm| go ñQ>m°\$ gXñ`| H$mo àXÎm 2,777,571- ii) AÝ` -200,0<strong>10</strong> {d{dY Am` 1,049,1641,420,854,440 1,596,187,771 1,420,854,440 1,596,187,771_hËdnyU© boIm H$mo V¡`ma H$aZo dmbo {hñgm| H$s nm°{b{g`m° VWm {Q>ßn{U`m±-g§b¾H$ IXZmoQ> 1 H$_©Mm[a`m| H$mo ^wJVmZVWm CZHo$ {bE àmdYmZ go g§~§{YV gyMZm g§b¾H$ 6 _| Xr JB© h¡ Ÿ&2 ñWmnZm ì`` go g§~{YV gyMZm g§b¾H$ 7 _| Xr JB© h¡ Ÿ&3 ã`O am{e go g§~§{YV gyMZm g§b¾H$ 8 _| Xr JB© h¡ Ÿ&4 Am` VWm ì`` ImVo Ho$ g^r g§b¾H$ VWm boH$m Ho$ {hñgm| H$mo V¡`ma H$aZo dmbr _hËdnyU© boH$m Zr{V`m| go g§~Õ {Q>ßn{U`m±/gyMZmE±(EZ lr{Zdmg amd) (Or à^mH$am) (Ama H$ÞZ)_w»` boIm A{YH$mar gXñ` gXñ`(Ho$.Ho$. lr{Zdmg) (Ama Ho$ Zm`a) (Oo. h[a Zmam`U)gXñ` gXñ` AÜ`j
H«$.g§ àm{á`m± ` H«$.g§ ^wJVmZ `ànÌ (gr)dm{f©H$ [anmoQ>© <strong>2009</strong>-<strong>10</strong>~r_m {d{Z`m_H$ Am¡a {dH$mg àm{YH$aU31 _mM©, 20<strong>10</strong> H$mo g_má hþE df© Ho$ {bE à{á`m± VWm ^wJVmZ ImVm2281 AJo«ZrV O_m 1 eoY VWm nam_e© ewëH$ 11,397,683~¢H$ _| ZJX 1,632,132 2 go{_Zma, A{YdoeZ, àH$meZ Am{X go 13,840,064hmW amoH$‹S> 63,723 3 ^mS>m ^wJVmZ go 5,806,022hmW _| M¡H$ - 4 {dH$mg ì`` gonmaJ_Z _| ZJX/M¡H$ - 5 {dkmnZ ì`` go 9,002,9852 n§OrH$aU ewëH$ 6 AÜ`j Am¡a g{Mdm| H$mo ^wJVmZ Ûmam-~r_m H§$n{Z`m± <strong>10</strong>0,000 (i) doVZ VWm ^Îmo 16,169,659-V¥Vr` nj àemgH$ Q>rnrE - (ii) AÝ` bm^ 4,060,576-~r_m Xbmb 20,000 (iii) `mÌm ì`` 4,200,197-~r_m A{^H$Vm© - 7 ñWmnZm ì``m| go-~r_m gXbmb 2,687,211 (i) doVZ VWm ^Îmo 76,048,084AÝ` (ii) AÝ` bm^ 24,367,0603 n§OrH$aU ZdrH$aU ewëH$ (iii) `mÌm ì`` 12,269,117- ~r_m H§$n{Z`m± 845,841,494 (iv) godm{Zd¥{Îm bm^ 9,712,139- V¥Vr` nj àemgH$ 60,<strong>10</strong>0 8 H$m`m©b` ì`` go 22,090,687- ~r_m gd}`a - 9 ã`mO Ûmam- ~r_m A{^H$Vm© 457,970,820 (i) gaH$mar ÌUm| go- ~r_m ~«moH$g© 28,634,833 (ii) AÝ` F$Um| go- AÝ` <strong>10</strong> n[ag§n{Îm`m| H$s IarXr go 7,<strong>10</strong>8,7364 ~r_mH$Vm© VWm _Ü`ñWm| go àmá empñV`m± VWm AW©XÊS> 6,500,000 11 Mb aho n§OrJV H$m`m} go <strong>10</strong>,000,0005 go{_Zma, A{YdoeZ Am{X - 12 ñQ>m°\$ VVm AÝ`m| H$mo A{J«_ VWm `mÌm ^Îmm A{J«_ 17,779,6646 {Zdoem| _| Am` - 13 {Zdoe go 6,332,800,0007 {Zdoem| go {dH«$` 4,817,274,515 14 gaH$mar F$Um|/ewëH$m| Ho$ nZ^w©JVmZ go8 AZwXmZ 15 AÝ` F$Um| Ho$ nwZ©:^wJVmZ goi) Ho$ÝÐr` gaH$ma/amÁ`gaH$ma/AÝ` - 16 AÝ` ì``m| go 316,892ii) Cnhma VWm XmZ - 17 AmB©AmB©AmaE_ H$mo ^wJVmZ9 F$U - 18 AZwf§Jr bm^ H$a go 762,876
Omar... ànÌ (gr)H«$.g§ àm{á`m± ` H«$.g§ ^wJVmZ `6,612,509,599 6,612,509,599(EZ lr{Zdmg amd) (Or à^mH$am) (Ama H$ÞZ)_w»` boIm A{YH$mar gXñ` gXñ`(Ho$.Ho$. lr{Zdmg) (Ama Ho$ Zm`a) (Oo. h[a Zmam`U)gXñ` gXñ` AÜ`jdm{f©H$ [anmoQ>© <strong>2009</strong>-<strong>10</strong>~r_m {d{Z`m_H$ Am¡a {dH$mg àm{YH$aU31 _mM©, 20<strong>10</strong> H$mo g_má hþE df© Ho$ {bE à{á`m± VWm ^wJVmZ ImVm229<strong>10</strong> àH$meZm| Am{X Ho$ {dH«$` - 19 gwajm O_m Ho$ ^wJVmZ go11 n[ag§n{Îm`m| Ho$ {dH«$` - (i) ~¢H$ _| ZJX(a) ~¢H$ Am°\$ B§{S>`m, ~era~mJ emIm 8,941,09612 ã`mO àmá (b) ~¢H$ Am°\$ BpÝS>`m, ~era~mJ emIm 25,241,319-O_mAm| na 448,250,920 (c) AmB©grAmB©grAmB© ~¢H$, {h_m`V ZJa emIm 21,987-A{J«_m| na (d) AmB©Amo~r 4,999- AÝ` (e) ñQ>oQ> ~¢H$ Am°\$ B§{S>Q>m, n[al_ ^dZ emIm 515,13413 H$_©Mm[a`m| go dgybr (ii) hmW _| ZJXH$) F$U VWm A{J«_ 2,726,345 AmB©AmaS>rE, h¡Xam~mX 35,000I) F$U VWm A{J«_m| na ã`mO {X„r H$m`m©b` 7,622J) {d{dY dgy{b`m± {X„r A{V{W J¥h <strong>10</strong>,00014 AÝ` àm{á`m± (iii) hmW _| M¡H$H$) {d{dY Am` 660,547 (iv) nmaJ_Z Zo ZJX/M¡H$I) R>oHo$Xmam| go gwajm O_mJ) nwZ: àmá gwajm O_m(K) ~¢H$ ImVo na ã`mO 802U) R>oHo$Xma na Q>rS>rEg 86,15715 ~¢H$ Am°\$ BpÊS>`m ImVo _|~wH$ Amoda S´>mâQ> XoH|$
H$) ^y{_ <strong>10</strong>,000 - - <strong>10</strong>,000 - - - - <strong>10</strong>,000 <strong>10</strong>,000I) ^dZ - - - - - - - - - -I) ^dZ - - - - - - - - - -dmhZ 1,097,544 - - 1,097,544 519,907 149,551 669,458 428,086 577,637CnH$aU 6,555,741 422,945 - 6,978,686 3,619,901 551,377 13,057 4,158,222 2,820,464 2,935,840\$ZuMZ VWm CnñH$a 8,718,681 3,454,483 - 12,173,164 4,684,439 1,541,440 - 6,225,879 5,947,285 4,034,242H$åß`yQ>a 20,758,059 5,494,714 12,716 26,240,057 16,040,831 3,424,076 19,464,906 6,775,151 4,717,228nwñVH|$ 822,724 681,066 - 1,503,790 822,724 681,066 1,503,790 - -`moJ 37,962,749 <strong>10</strong>,053,208 12,716 48,003,241 25,687,801 6,347,5<strong>10</strong> 13,057 32,022,254 15,980,987 12,274,948(EZ lr{Zdmg amd) (Ho$.Ho$. lr{Zdmg) (Ama Ho$ Zm`a) (Or à^mH$am) (Ama H$ÞZ) (Oo. h[a Zmam`U)_w»` boIm A{YH$mar gXñ` gXñ` gXñ` gXñ` AÜ`jdm{f©H$ [anmoQ>© <strong>2009</strong>-<strong>10</strong>~r_m {d{Z`m_H$ Am¡a {dH$mg àm{YH$aU31 _mM© 20<strong>10</strong> go VwbZ nÌ Ho$ g§b¾H$ VWm ^mJ Ho$ én _| -ñWm`r n[ag§n{Îm`m| H$s gyMrgH$b ãbm°H$ Ad_yë`Z ewÕ ãbm°H$01.04.<strong>2009</strong> df© Ho$ Xm¡amZ df© Ho$ Xm¡amZ 31.03.20<strong>10</strong> 01.04.<strong>2009</strong> df© Ho$ {bE g_m`moOZ 31.03.20<strong>10</strong> 31.03.20<strong>10</strong> 31.03.<strong>2009</strong>{ddaU H$mo ~oMm/{ZnQ>m`m H$mo `moJ H$mo VH$ H$mo H$mo_yë` OmoS> J`mg§b¾H$ 1H$m`m©b` n[agaAmdmgr` âboQ²>g230H$) ^y{_ - - - - - - - - - -
~¢H$ àma§{^H$ E\$S>rAma O_m ã`mO H$m n[an¹$Vm Ad{Y 31-3-20<strong>10</strong> Cn{O©V ã`mO{V{W g§»`m YZam{e à{VeV {V{W H$mo eof {XZm| {H$ g§»`mnaÝVw Xò Zhrg§b¾H$ IIdm{f©H$ [anmoQ>© <strong>2009</strong>-<strong>10</strong>~r_m {d{Z`m_H$ Am¡a {dH$mg àm{YH$aUì`` {H$`o hþE ã`mO H$m {ddaU naÝVw O_m am{e na Xò Zht - 31 _mM© 20<strong>10</strong> na231H$ê$a doí`m ~¢H$ 4-4-09 14<strong>10</strong>515000000341/1 20000000 9.00% 4-4-<strong>10</strong> 365 362 1846365~¢H$ Am°\$ BpÝS>`m, ~era~mJ 6-4-09 8601451<strong>10</strong>000913 3000000 8.00% 6-4-<strong>10</strong> 365 360 243908~¢H$ Am°\$ BpÝS>`m, ~era~mJ 13-4-09 8601451<strong>10</strong>000919 9600000 8.00% 13-4-<strong>10</strong> 365 353 765332~¢H$ Am°\$ BpÝS>`m, ~era~mJ 13-4-09 8601451<strong>10</strong>000920 9600000 8.00% 13-4-<strong>10</strong> 365 353 765332~¢H$ Am°\$ BpÝS>`m, ~era~mJ 13-4-09 8601451<strong>10</strong>000921 9600000 8.00% 13-4-<strong>10</strong> 365 353 765332~¢H$ Am°\$ BpÝS>`m, ~era~mJ 13-4-09 8601451<strong>10</strong>000922 9600000 8.00% 13-4-<strong>10</strong> 365 353 765332~¢H$ Am°\$ BpÝS>`m, ~era~mJ 13-4-09 8601451<strong>10</strong>000923 9600000 8.00% 13-4-<strong>10</strong> 365 353 765332~¢H$ Am°\$ BpÝS>`m, ~era~mJ 13-4-09 8601451<strong>10</strong>000924 9000000 8.00% 13-4-<strong>10</strong> 365 353 717498~¢H$ Am°\$ BpÝS>`m, ~era~mJ 13-4-09 8601451<strong>10</strong>000925 9000000 8.00% 13-4-<strong>10</strong> 365 353 717498~¢H$ Am°\$ BpÝS>`m, ~era~mJ 13-4-09 8601451<strong>10</strong>000926 9000000 8.00% 13-4-<strong>10</strong> 365 353 717498~¢H$ Am°\$ BpÝS>`m, ~era~mJ 13-4-09 8601451<strong>10</strong>000927 9000000 8.00% 13-4-<strong>10</strong> 365 353 717498Am§Y«m ~¢H$ 15-4-09 35020<strong>10</strong>0002166 9000000 8.00% 15-4-<strong>10</strong> 365 351 713433Am§Y«m ~¢H$ 15-4-09 233001 9000000 8.00% 15-4-<strong>10</strong> 365 351 713433Am§Y«m ~¢H$ 15-4-09 320030 9000000 8.00% 15-4-<strong>10</strong> 365 351 713433H$ê$a doí`m ~¢H$,Ama.nr.amoS> 15-4-09 14<strong>10</strong>515000000341/3 30000000 8.75% 15-4-<strong>10</strong> 365 351 2608359Am§Y«m ~¢H$ 21-4-09 411735 9800000 7.50% 21-4-<strong>10</strong> 365 345 7145<strong>10</strong>Am§Y«m ~¢H$ 21-4-09 320033 9800000 7.50% 21-4-<strong>10</strong> 365 345 7145<strong>10</strong>H$ê$a doí`m ~¢H$,Ama.nr.amoS> 21-4-09 14<strong>10</strong>516000027561/4 30000000 8.75% 21-4-<strong>10</strong> 365 345 2563772ñQ>oS> ~¢H$ Am°\$ B§{S>`m - nr~r 21-4-09 30747391172 9800000 7.75% 21-4-<strong>10</strong> 365 345 739017ñQ>oS> ~¢H$ Am°\$ B§{S>`m - nr~r 21-4-09 30747391648 9800000 7.75% 21-4-<strong>10</strong> 365 345 739017ñQ>oS> ~¢H$ Am°\$ B§{S>`m - nr~r 21-4-09 30747392041 9800000 7.75% 21-4-<strong>10</strong> 365 345 739017ñQ>oS> ~¢H$ Am°\$ B§{S>`m - nr~r 21-4-09 30747397639 9800000 7.75% 21-4-<strong>10</strong> 365 345 739017ñQ>oS> ~¢H$ Am°\$ B§{S>`m - nr~r 21-4-09 307473985<strong>10</strong> 9800000 7.75% 21-4-<strong>10</strong> 365 345 739017ñQ>oS> ~¢H$ Am°\$ B§{S>`m - nr~r 21-4-09 30747398906 9800000 7.75% 21-4-<strong>10</strong> 365 345 739017ñQ>oS> ~¢H$ Am°\$ B§{S>`m - nr~r 4-5-09 30756075767 9000000 7.50% 4-5-<strong>10</strong> 365 332 631458ñQ>oS> ~¢H$ Am°\$ B§{S>`m - nr~r 4-5-09 30756076318 6000000 7.50% 4-5-<strong>10</strong> 365 332 420971Ho$Zam ~¢H$ 13-5-09 178740<strong>10</strong>02245/16 9000000 7.50% 13-5-<strong>10</strong> 365 323 614339Ho$Zam ~¢H$ 13-5-09 178740<strong>10</strong>02245/17 9000000 7.50% 13-5-<strong>10</strong> 365 323 614339Ho$Zam ~¢H$ 13-5-09 178740<strong>10</strong>02245/18 9000000 7.50% 13-5-<strong>10</strong> 365 323 614339Ho$Zam ~¢H$ 13-5-09 178740<strong>10</strong>02245/19 9000000 7.50% 13-5-<strong>10</strong> 365 323 614339ñQ>oS> ~¢H$ Am°\$ B§{S>`m - nr~r 13-5-09 30763075714 9000000 7.50% 13-5-<strong>10</strong> 365 323 614340ñQ>oS> ~¢H$ Am°\$ B§{S>`m - nr~r 13-5-09 30763075522 9000000 7.50% 13-5-<strong>10</strong> 365 323 614340ñQ>oS> ~¢H$ Am°\$ B§{S>`m - nr~r 13-5-09 30763075373 9000000 7.50% 13-5-<strong>10</strong> 365 323 614340qgS>rHo$Q> ~¢H$ 1-5-09 30114050023376/1 9000000 7.50% 2-6-<strong>10</strong> 366 304 578276qgS>rHo$Q> ~¢H$ 1-5-09 30114050023376/3 9000000 7.50% 2-6-<strong>10</strong> 366 304 578276
Omar... g§b¾H$ II~¢H$ {H$ g§»`màma§{^H$ E\$S>rAma O_m ã`mO H$m n[an¹$Vm Ad{Y 31-3-20<strong>10</strong> Cn{O©V ã`mO{V{W g§»`m YZam{e à{VeV {V{W H$mo eof {XZm| naÝVw Xò Zhrdm{f©H$ [anmoQ>© <strong>2009</strong>-<strong>10</strong>~r_m {d{Z`m_H$ Am¡a {dH$mg àm{YH$aUì`` {H$`o hþE ã`mO H$m {ddaU naÝVw O_m am{e na Xò Zht - 31 _mM© 20<strong>10</strong> na232qgS>rHo$Q> ~¢H$ 1-6-09 30114050023376/4 9000000 7.50% 2-6-<strong>10</strong> 366 304 578276qgS>rHo$Q> ~¢H$ 1-6-09 30114050023376/2 9000000 7.50% 2-6-<strong>10</strong> 366 304 578276{dO`m> ~¢H$ 19-6-09 40030331<strong>10</strong>00516 9000000 7.50% 19-6-<strong>10</strong> 365 286 543967{dO`m> ~¢H$ 19-6-09 40030331<strong>10</strong>00517 9000000 7.50% 19-6-<strong>10</strong> 365 286 543967{dO`m> ~¢H$ 19-6-09 40030331<strong>10</strong>00518 9000000 7.50% 19-6-<strong>10</strong> 365 286 543967{dO`m> ~¢H$ 25-6-09 841653952 9000000 7.50% 25-6-<strong>10</strong> 365 280 532555B§{S>`Z ~¢H$ 25-6-09 841654275 9000000 7.50% 25-6-<strong>10</strong> 365 280 532555B§{S>`Z ~¢H$ 25-6-09 841653849 9000000 7.50% 25-6-<strong>10</strong> 365 280 532555{dO`m> ~¢H$ 25-6-09 40030331<strong>10</strong>00521 9000000 7.50% 25-6-20<strong>10</strong> 365 280 532555{dO`m> ~¢H$ 25-6-09 40030331<strong>10</strong>00520 9000000 7.50% 25-6-20<strong>10</strong> 365 280 532555B§{S>`Z ~¢H$ 30-6-09 842465094 9000000 7.50% 30-6-<strong>10</strong> 365 275 523045B§{S>`Z ~¢H$ 30-6-09 842465049 9000000 7.50% 30-6-<strong>10</strong> 365 275 523045B§{S>`Z ~¢H$ 30-6-09 842465016 9000000 7.50% 30-6-<strong>10</strong> 365 275 523045B§{S>`Z ~¢H$ 30-6-09 842464975 9000000 7.50% 30-6-<strong>10</strong> 365 275 523045B§{S>`Z ~¢H$ 30-6-09 842464567 9000000 7.50% 30-6-<strong>10</strong> 365 275 523045{dO`m> ~¢H$ 30-6-09 40030331<strong>10</strong>00524 9000000 7.50% 30-6-<strong>10</strong> 365 275 523045{dO`m> ~¢H$ 30-6-09 40030331<strong>10</strong>00525 9000000 7.50% 30-6-<strong>10</strong> 365 275 523045{dO`m> ~¢H$ 30-6-09 40030331<strong>10</strong>00526 9000000 7.50% 30-6-<strong>10</strong> 365 275 523045Am§Y«m ~¢H$ <strong>10</strong>-7-09 412269 9000000 7.25% <strong>10</strong>-7-<strong>10</strong> 365 265 486769Am§Y«m ~¢H$ <strong>10</strong>-7-09 213990 9000000 7.25% <strong>10</strong>-7-<strong>10</strong> 365 265 486769{dO`m> ~¢H$ <strong>10</strong>-7-09 40030331<strong>10</strong>00581 9000000 7.25% <strong>10</strong>-7-<strong>10</strong> 365 265 486769{dO`m> ~¢H$ <strong>10</strong>-7-09 40030331<strong>10</strong>00582 9000000 7.25% <strong>10</strong>-7-<strong>10</strong> 365 265 486769Ho$Zam ~¢H$ 20-7-09 178740<strong>10</strong>02245/20 9000000 7.00% 20-7-<strong>10</strong> 365 255 451826Ho$Zam ~¢H$ 20-7-09 178740<strong>10</strong>02245/21 9000000 7.00% 20-7-<strong>10</strong> 365 255 451826Ho$Zam ~¢H$ 20-7-09 178740<strong>10</strong>02245/22 9000000 7.00% 20-7-<strong>10</strong> 365 255 451826Am§Y«m ~¢H$ 21-7-09 349228 9000000 7.25% 21-7-<strong>10</strong> 365 254 466563Am§Y«m ~¢H$ 21-7-09 2140<strong>10</strong> 9000000 7.25% 21-7-<strong>10</strong> 365 254 466563ñQ>oS> ~¢H$ Am°\$ B§{S>`m - nr~r 21-7-09 30831816486 9000000 7.00% 21-7-<strong>10</strong> 365 254 450054ñQ>oS> ~¢H$ Am°\$ B§{S>`m - nr~r 21-7-09 30831815982 9000000 7.00% 21-7-<strong>10</strong> 365 254 450054qgS>rHo$Q> ~¢H$ 21-7-09 30114050023376/5 9000000 7.00% 21-7-<strong>10</strong> 365 254 450054qgS>rHo$Q> ~¢H$ 21-7-09 30114050023376/6 9000000 7.00% 21-7-<strong>10</strong> 365 254 450054Am§Y«m ~¢H$ 22-7-09 70495 9000000 7.25% 22-7-<strong>10</strong> 365 253 464726Am§Y«m ~¢H$ 22-7-09 214014 9000000 7.25% 22-7-<strong>10</strong> 365 253 464726ñQ>oQ> ~¢H$ Am°\$ {~H$Zoa AÊS> O`nwa 22-7-09 6<strong>10</strong>75<strong>10</strong>6370 9000000 7.25% 22-7-<strong>10</strong> 365 253 464726ñQ>oQ> ~¢H$ Am°\$ {~H$Zoa AÊS> O`nwa 22-7-09 6<strong>10</strong>75<strong>10</strong>6472 9000000 7.25% 23-7-<strong>10</strong> 366 253 464785
Omar... g§b¾H$ IIdm{f©H$ [anmoQ>© <strong>2009</strong>-<strong>10</strong>~r_m {d{Z`m_H$ Am¡a {dH$mg àm{YH$aUì`` {H$`o hþE ã`mO H$m {ddaU naÝVw O_m am{e na Xò Zht - 31 _mM© 20<strong>10</strong> na233~¢H$ {H$ g§»`màma§{^H$ E\$S>rAma O_m ã`mO H$m n[an¹$Vm Ad{Y 31-3-20<strong>10</strong> Cn{O©V ã`mO{V{W g§»`m YZam{e à{VeV {V{W H$mo eof {XZm| naÝVw Xò ZhrñQ>oQ> ~¢H$ Am°\$ {~H$Zoa AÊS> O`nwa 22-7-09 6<strong>10</strong>75<strong>10</strong>6563 9000000 7.25% 24-7-<strong>10</strong> 367 253 464842{dO`m> ~¢H$ 22-7-09 40030331<strong>10</strong>00606 9000000 7.25% 22-7-<strong>10</strong> 365 253 464726{dO`m> ~¢H$ 22-7-09 40030331<strong>10</strong>00607 9000000 7.25% 23-7-<strong>10</strong> 366 253 464785Ho$Zam ~¢H$ <strong>10</strong>-8-09 178740<strong>10</strong>02245/23 9000000 7.00% <strong>10</strong>-8-<strong>10</strong> 365 234 414617ñQ>oS> ~¢H$ Am°\$ h¡Xam~mX <strong>10</strong>-8-09 62<strong>10</strong>3332019 9000000 7.00% <strong>10</strong>-8-<strong>10</strong> 365 234 414617ñQ>oS> ~¢H$ Am°\$ h¡Xam~mX <strong>10</strong>-8-09 62<strong>10</strong>3331852 9000000 7.00% <strong>10</strong>-8-<strong>10</strong> 365 234 414617ñQ>oS> ~¢H$ Am°\$ h¡Xam~mX <strong>10</strong>-8-09 62<strong>10</strong>3331945 9000000 7.00% <strong>10</strong>-8-<strong>10</strong> 365 234 414617Am§Y«m ~¢H$ 19-8-09 052220<strong>10</strong>0040883 9000000 7.00% 19-8-<strong>10</strong> 365 225 398670ñQ>oS> ~¢H$ Am°\$ h¡Xam~mX 19-8-09 62<strong>10</strong>4272807 9000000 7.00% 19-8-<strong>10</strong> 365 225 398670Ho$Zam ~¢H$ 20-8-09 300340<strong>10</strong>00154/1 9000000 7.00% 20-8-<strong>10</strong> 365 224 396898Am§Y«m ~¢H$ 25-8-09 052220<strong>10</strong>0041402 9000000 7.00% 25-8-<strong>10</strong> 365 219 388039qgS>rHo$Q> ~¢H$ 25-8-09 30114050023376/7 9000000 7.00% 25-8-<strong>10</strong> 365 219 388039qgS>rHo$Q> ~¢H$ 25-8-09 30114050023376/8 9000000 7.00% 25-8-<strong>10</strong> 365 219 388039Am§Y«m ~¢H$ 1-9-09 052220<strong>10</strong>0041989 9000000 7.00% 1-9-<strong>10</strong> 365 212 375636qgS>rHo$Q> ~¢H$ 1-9-09 30114050023376/11 9000000 7.00% 1-9-<strong>10</strong> 365 212 375636qgS>rHo$Q> ~¢H$ 1-9-09 30114050023376/9 9000000 7.00% 1-9-<strong>10</strong> 365 212 375636qgS>rHo$Q> ~¢H$ 1-9-09 30114050023376/<strong>10</strong> 9000000 7.00% 1-9-<strong>10</strong> 365 212 375636B§{S>`Z ~¢H$ 8-9-09 200653 9000000 7.00% 8-9-<strong>10</strong> 365 205 363232qgS>rHo$Q> ~¢H$ 8-9-09 30114050023376/12 9000000 7.00% 8-9-<strong>10</strong> 365 205 363232Ho$Zam ~¢H$ 24-9-09 178740<strong>10</strong>02245/24 9000000 7.00% 24-9-<strong>10</strong> 365 189 334883ñQ>oS> ~¢H$ Am°\$ h¡Xam~mX 24-9-09 62<strong>10</strong>8354016 9000000 7.00% 24-9-<strong>10</strong> 365 189 334883qgS>rHo$Q> ~¢H$ 24-9-09 30114050023376/13 9000000 7.00% 24-9-<strong>10</strong> 365 189 334883Am§Y«m ~¢H$ 29-9-09 052220<strong>10</strong>0043969 9000000 7.00% 29-9-<strong>10</strong> 365 184 326023qgS>rHo$Q> ~¢H$ 29-9-09 30754050005221/3 9000000 7.00% 29-9-<strong>10</strong> 365 184 326023qgS>rHo$Q> ~¢H$ 29-9-09 30754050005221/4 9000000 7.00% 29-9-<strong>10</strong> 365 184 326023qgS>rHo$Q> ~¢H$ 1-<strong>10</strong>-09 30044050017969/39 9900000 7.00% 1-<strong>10</strong>-<strong>10</strong> 365 182 354728qgS>rHo$Q> ~¢H$ 1-<strong>10</strong>-09 30754050005221/5 9500000 7.00% 1-<strong>10</strong>-<strong>10</strong> 365 182 340395qgS>rHo$Q> ~¢H$ 3-<strong>10</strong>-09 30044050017969/40 9<strong>10</strong>0000 7.00% 3-<strong>10</strong>-<strong>10</strong> 365 180 322480Am§Y«m ~¢H$ 6-<strong>10</strong>-09 0151120<strong>10</strong>0008957 9000000 7.00% 6-<strong>10</strong>-<strong>10</strong> 365 177 313620Am§Y«m ~¢H$ 6-<strong>10</strong>-09 052220<strong>10</strong>0044612 9000000 7.00% 6-<strong>10</strong>-<strong>10</strong> 365 177 313620Am§Y«m ~¢H$ 6-<strong>10</strong>-09 0134020<strong>10</strong>0015832 9000000 7.00% 6-<strong>10</strong>-<strong>10</strong> 365 177 313620Ho$Zam ~¢H$ 6-<strong>10</strong>-09 178740<strong>10</strong>02245/26 9000000 7.00% 6-<strong>10</strong>-<strong>10</strong> 365 177 313620Ho$Zam ~¢H$ 6-<strong>10</strong>-09 178740<strong>10</strong>02245/25 9000000 7.00% 6-<strong>10</strong>-<strong>10</strong> 365 177 313620qgS>rHo$Q> ~¢H$ 6-<strong>10</strong>-09 30114580000048/5 36000000 6.00% 6-<strong>10</strong>-<strong>10</strong> 365 177 <strong>10</strong>71256
Omar... g§b¾H$ IIdm{f©H$ [anmoQ>© <strong>2009</strong>-<strong>10</strong>~r_m {d{Z`m_H$ Am¡a {dH$mg àm{YH$aUì`` {H$`o hþE ã`mO H$m {ddaU naÝVw O_m am{e na Xò Zht - 31 _mM© 20<strong>10</strong> na234~¢H$ {H$ g§»`màma§{^H$ E\$S>rAma O_m ã`mO H$m n[an¹$Vm Ad{Y 31-3-20<strong>10</strong> Cn{O©V ã`mO{V{W g§»`m YZam{e à{VeV {V{W H$mo eof {XZm| naÝVw Xò ZhrB§{S>`Z AmodagrO ~¢H$ 6-<strong>10</strong>-09 672802/5<strong>10</strong>901250 9000000 7.00% 6-<strong>10</strong>-<strong>10</strong> 365 177 313621B§{S>`Z AmodagrO ~¢H$ 6-<strong>10</strong>-09 672803/5<strong>10</strong>901251 9000000 7.00% 6-<strong>10</strong>-<strong>10</strong> 365 177 313621B§{S>`Z AmodagrO ~¢H$ 6-<strong>10</strong>-09 672801/5<strong>10</strong>901252 9000000 7.00% 6-<strong>10</strong>-<strong>10</strong> 365 177 313621B§{S>`Z AmodagrO ~¢H$ 6-<strong>10</strong>-09 672/805/5<strong>10</strong>901253 9000000 7.00% 6-<strong>10</strong>-<strong>10</strong> 365 177 313621qgS>rHo$Q> ~¢H$ 14-<strong>10</strong>-09 30114580000048/4 36000000 6.00% 14-<strong>10</strong>-<strong>10</strong> 365 169 <strong>10</strong>22838Am§Y«m ~¢H$ 29-<strong>10</strong>-09 52220<strong>10</strong>0046364 9000000 7.00% 29-<strong>10</strong>-<strong>10</strong> 365 154 272867{dO`m> ~¢H$ 29-<strong>10</strong>-09 40680331<strong>10</strong>00335 9000000 7.00% 29-<strong>10</strong>-<strong>10</strong> 365 154 272867~¢H$ Am°\$ BpÝS>`m, ~era~mJ 9-11-09 8601451<strong>10</strong>00<strong>10</strong>70 40000000 6.00% 9-11-<strong>10</strong> 365 143 961642B§{S>`Z ~¢H$ 9-11-09 348531 40000000 6.00% 9-11-<strong>10</strong> 365 143 961642Am§Y«m ~¢H$ 19-11-09 52220<strong>10</strong>0048113 27000000 5.75% 19-11-<strong>10</strong> 365 133 578021qgS>rHo$Q> ~¢H$ 19-11-09 30114580000048/8 26000000 5.50% 19-11-<strong>10</strong> 365 133 531914hoMS>rEngr ~¢H$ 19-11-09 5214540000022 9000000 6.00% 20-11-<strong>10</strong> 366 133 201259hoMS>rEngr ~¢H$ 19-11-09 5214540000049 9000000 6.00% 22-11-<strong>10</strong> 368 133 201300hoMS>rEngr ~¢H$ 19-11-09 5214540000032 9000000 6.00% 21-11-<strong>10</strong> 367 133 201280B§{S>`Z ~¢H$ 20-11-09 348563 25000000 6.00% 20-11-<strong>10</strong> 365 132 554794B§{S>`Z ~¢H$ 2-12-09 <strong>2009</strong>50 30000000 5.50% 2-12-<strong>10</strong> 365 120 553757B§{S>`Z ~¢H$ <strong>10</strong>-12-09 <strong>2009</strong>81 20000000 5.50% <strong>10</strong>-12-<strong>10</strong> 365 112 344560qgS>rHo$Q> ~¢H$ <strong>10</strong>-12-09 30114580000048/7 20000000 5.50% 11-12-<strong>10</strong> 366 112 344592~¢H$ Am°\$ BpÝS>`m, ~era~mJ 11-12-09 8601451<strong>10</strong>001<strong>10</strong>2 40000000 6.00% 11-12-<strong>10</strong> 365 111 746450~¢H$ Am°\$ BpÝS>`m, ~era~mJ 15-12-09 8601451<strong>10</strong>001<strong>10</strong>8 60000000 6.00% 15-12-<strong>10</strong> 365 <strong>10</strong>7 <strong>10</strong>79326~¢H$ Am°\$ BpÝS>`m, ~era~mJ 15-12-09 8601451<strong>10</strong>001<strong>10</strong>9 9500000 6.50% 15-12-<strong>10</strong> 365 <strong>10</strong>7 185481ñQ>oS> ~¢H$ Am°\$ h¡Xam~mX 15-12-09 62117331509 20000000 6.00% 15-12-<strong>10</strong> 365 <strong>10</strong>7 359775ñQ>oS> ~¢H$ Am°\$ B§{S>`m - nr~r 15-12-09 30992850126 9000000 6.00% 15-12-<strong>10</strong> 365 <strong>10</strong>7 161899ñQ>oS> ~¢H$ Am°\$ B§{S>`m - nr~r 15-12-09 30992849961 9000000 6.00% 15-12-<strong>10</strong> 365 <strong>10</strong>7 161899ñQ>oS> ~¢H$ Am°\$ B§{S>`m - nr~r 15-12-09 30992849790 9000000 6.00% 15-12-<strong>10</strong> 365 <strong>10</strong>7 161899ñQ>oS> ~¢H$ Am°\$ B§{S>`m - nr~r 15-12-09 30992849575 9000000 6.00% 15-12-<strong>10</strong> 365 <strong>10</strong>7 161899ñQ>oS> ~¢H$ Am°\$ B§{S>`m - nr~r 15-12-09 30992849451 9000000 6.00% 15-12-<strong>10</strong> 365 <strong>10</strong>7 161899ñQ>oS> ~¢H$ Am°\$ B§{S>`m - nr~r 15-12-09 30992849235 9000000 6.00% 15-12-<strong>10</strong> 365 <strong>10</strong>7 161899ñQ>oS> ~¢H$ Am°\$ B§{S>`m - nr~r 15-12-09 30992850308 6000000 6.00% 15-12-<strong>10</strong> 365 <strong>10</strong>7 <strong>10</strong>7933Am§Y«m ~¢H$ 16-12-09 1<strong>10</strong>320<strong>10</strong>0012330 9500000 6.50% 16-12-<strong>10</strong> 365 <strong>10</strong>6 183747Am§Y«m ~¢H$ 16-12-09 52220<strong>10</strong>0050066 9500000 6.50% 16-12-<strong>10</strong> 365 <strong>10</strong>6 183747Am§Y«m ~¢H$ 16-12-09 134020<strong>10</strong>0018361 9500000 6.50% 16-12-<strong>10</strong> 365 <strong>10</strong>6 183747Am§Y«m ~¢H$ 16-12-09 53320<strong>10</strong>0013737 9500000 6.50% 16-12-<strong>10</strong> 365 <strong>10</strong>6 183747Am§Y«m ~¢H$ 16-12-09 151120<strong>10</strong>00<strong>10</strong>059 9500000 6.50% 16-12-<strong>10</strong> 365 <strong>10</strong>6 183747~¢H$ Am°\$ BpÝS>`m, ~era~mJ 16-12-09 8601451<strong>10</strong>001111 9500000 6.50% 16-12-<strong>10</strong> 365 <strong>10</strong>6 183747
dm{f©H$ [anmoQ>© <strong>2009</strong>-<strong>10</strong>235~r_m {d{Z`m_H$ Am¡a {dH$mg àm{YH$aUì`` {H$`o hþE ã`mO H$m {ddaU naÝVw O_m am{e na Xò Zht - 31 _mM© 20<strong>10</strong> naOmar... g§b¾H$ II~¢H$ àma§{^H$ E\$S>rAma O_m ã`mO H$m n[an¹$Vm Ad{Y 31-3-20<strong>10</strong> Cn{O©V ã`mO{V{W g§»`m YZam{e à{VeV {V{W H$mo eof {XZm| {H$ g§»`mnaÝVw Xò Zhr~¢H$ Am°\$ BpÝS>`m, ~era~mJ 16-12-09 8601451<strong>10</strong>001112 9500000 6.50% 16-12-<strong>10</strong> 365 <strong>10</strong>6 183747~¢H$ Am°\$ BpÝS>`m, ~era~mJ 21-12-09 8601451<strong>10</strong>001115 <strong>10</strong>0000000 6.00% 21-12-<strong>10</strong> 365 <strong>10</strong>1 1698005~¢H$ Am°\$ BpÝS>`m, ~era~mJ 21-12-09 8601451<strong>10</strong>001116 50000000 6.00% 21-12-<strong>10</strong> 365 <strong>10</strong>1 849003n§Om~ ZoeZb ~¢H$ 21-12-09 423900GR00000021 50000000 6.00% 21-12-<strong>10</strong> 365 <strong>10</strong>1 849003n§Om~ ZoeZb ~¢H$ 21-12-09 423900GR00000049 30000000 6.00% 21-12-<strong>10</strong> 365 <strong>10</strong>1 509402ñQ>oS> ~¢H$ Am°\$ B§{S>`m - nr~r 21-12-09 30997798624 5000000 6.00% 21-12-<strong>10</strong> 365 <strong>10</strong>1 84900ñQ>oS> ~¢H$ Am°\$ B§{S>`m - nr~r 21-12-09 309977984<strong>10</strong> 9000000 6.00% 21-12-<strong>10</strong> 365 <strong>10</strong>1 152820ñQ>oS> ~¢H$ Am°\$ B§{S>`m - nr~r 21-12-09 30997798158 9000000 6.00% 21-12-<strong>10</strong> 365 <strong>10</strong>1 152820ñQ>oS> ~¢H$ Am°\$ B§{S>`m - nr~r 21-12-09 30997797993 9000000 6.00% 21-12-<strong>10</strong> 365 <strong>10</strong>1 152820ñQ>oS> ~¢H$ Am°\$ B§{S>`m - nr~r 21-12-09 30997797802 9000000 6.00% 21-12-<strong>10</strong> 365 <strong>10</strong>1 152820ñQ>oS> ~¢H$ Am°\$ B§{S>`m - nr~r 21-12-09 30997797529 9000000 6.00% 21-12-<strong>10</strong> 365 <strong>10</strong>1 152820Am§Y«m ~¢H$ 22-12-09 50520<strong>10</strong>0014879 30000000 6.00% 22-12-<strong>10</strong> 365 <strong>10</strong>0 504358Am§Y«m ~¢H$ 22-12-09 52226<strong>10</strong>0050464 20000000 6.00% 22-12-<strong>10</strong> 365 <strong>10</strong>0 336239~¢H$ Am°\$ BpÝS>`m, ~era~mJ 22-12-09 8601451<strong>10</strong>001118 50000000 6.00% 22-12-<strong>10</strong> 365 <strong>10</strong>0 840597H$ê$a doí`m ~¢H$ 22-12-09 14<strong>10</strong>50<strong>10</strong>00073622/1 30000000 6.60% 22-12-<strong>10</strong> 365 <strong>10</strong>0 556040ñQ>oS> ~¢H$ Am°\$ B§{S>`m - nr~r 22-12-09 30999833737 4000000 6.00% 22-12-<strong>10</strong> 365 <strong>10</strong>0 67248ñQ>oS> ~¢H$ Am°\$ B§{S>`m - nr~r 22-12-09 30999834481 9000000 6.00% 22-12-<strong>10</strong> 365 <strong>10</strong>0 151307ñQ>oS> ~¢H$ Am°\$ B§{S>`m - nr~r 22-12-09 30999834196 9000000 6.00% 22-12-<strong>10</strong> 365 <strong>10</strong>0 151307ñQ>oS> ~¢H$ Am°\$ B§{S>`m - nr~r 22-12-09 30999833953 9000000 6.00% 22-12-<strong>10</strong> 365 <strong>10</strong>0 151307ñQ>oS> ~¢H$ Am°\$ B§{S>`m - nr~r 22-12-09 30999834356 9000000 6.00% 22-12-<strong>10</strong> 365 <strong>10</strong>0 151307bú_r {dbmg ~¢H$ 22-12-09 29712<strong>10</strong>0002<strong>10</strong>38/1 40000000 6.75% 22-12-<strong>10</strong> 365 <strong>10</strong>0 758662Am§Y«m ~¢H$ 23-12-09 52220<strong>10</strong>0050525 9000000 6.50% 23-12-<strong>10</strong> 365 99 162581Am§Y«m ~¢H$ 23-12-09 134020<strong>10</strong>0018565 9000000 6.50% 23-12-<strong>10</strong> 365 99 162581Am§Y«m ~¢H$ 23-12-09 151120<strong>10</strong>00<strong>10</strong>129 9000000 6.50% 23-12-<strong>10</strong> 365 99 162581~¢H$ Am°\$ BpÝS>`m, ~era~mJ 23-12-09 8601451<strong>10</strong>001123 9000000 6.50% 23-12-<strong>10</strong> 365 99 162581~¢H$ Am°\$ BpÝS>`m, ~era~mJ 23-12-09 8601451<strong>10</strong>001122 9000000 6.50% 23-12-<strong>10</strong> 365 99 162581Ho$Zam ~¢H$ 23-12-09 178740<strong>10</strong>02245/28 9000000 6.25% 23-12-<strong>10</strong> 365 99 156182Ho$Zam ~¢H$ 23-12-09 178740<strong>10</strong>02245/27 9000000 6.25% 23-12-<strong>10</strong> 365 99 156182ñQ>oS> ~¢H$ Am°\$ h¡Xam~mX 23-12-09 62118203189 9000000 6.50% 23-12-<strong>10</strong> 365 99 162581qgS>rHo$Q> ~¢H$ 23-12-09 30044050017969/41 9000000 6.25% 23-12-<strong>10</strong> 365 99 156182qgS>rHo$Q> ~¢H$ 23-12-09 30114050023376/22 9000000 6.25% 23-12-<strong>10</strong> 365 99 156182Am§Y«m ~¢H$ 24-12-09 52220<strong>10</strong>0050613 40000000 6.00% 24-12-<strong>10</strong> 365 98 659028~¢H$ Am°\$ BpÝS>`m, ~era~mJ 24-12-09 8601451<strong>10</strong>001124 80000000 6.00% 24-12-<strong>10</strong> 365 98 1318055Am§Y«m ~¢H$ 26-12-09 52220<strong>10</strong>0050853 50000000 6.00% 26-12-<strong>10</strong> 365 96 806973~¢H$ Am°\$ BpÝS>`m, ~era~mJ 26-12-09 8601451<strong>10</strong>001125 <strong>10</strong>0000000 6.00% 26-12-<strong>10</strong> 365 96 1613945
dm{f©H$ [anmoQ>© <strong>2009</strong>-<strong>10</strong>236~r_m {d{Z`m_H$ Am¡a {dH$mg àm{YH$aUì`` {H$`o hþE ã`mO H$m {ddaU naÝVw O_m am{e na Xò Zht - 31 _mM© 20<strong>10</strong> naOmar... g§b¾H$ II~¢H$ àma§{^H$ E\$S>rAma O_m ã`mO H$m n[an¹$Vm Ad{Y 31-3-20<strong>10</strong> Cn{O©V ã`mO{V{W g§»`m YZam{e à{VeV {V{W H$mo eof {XZm| {H$ g§»`mnaÝVw Xò ZhrAm§Y«m ~¢H$ 29-12-09 128220<strong>10</strong>0014356 <strong>10</strong>000000 6.00% 29-12-<strong>10</strong> 365 93 156351Am§Y«m ~¢H$ 29-12-09 50520<strong>10</strong>0015072 60000000 6.00% 29-12-<strong>10</strong> 365 93 938<strong>10</strong>6Am§Y«m ~¢H$ 29-12-09 52220<strong>10</strong>0050862 70000000 6.00% 29-12-<strong>10</strong> 365 93 <strong>10</strong>94457~¢H$ Am°\$ BpÝS>`m, ~era~mJ 29-12-09 8601451<strong>10</strong>001129 20000000 6.00% 29-12-<strong>10</strong> 365 93 312702~¢H$ Am°\$ BpÝS>`m, ~era~mJ 29-12-09 8601451<strong>10</strong>001128 280000000 6.00% 29-12-<strong>10</strong> 365 93 4377827AmB©S>r~rAmB© ~¢H$ 29-12-09 133<strong>10</strong>6400003599 <strong>10</strong>000000 6.50% 29-12-<strong>10</strong> 365 93 169697AmB©S>r~rAmB© ~¢H$ 29-12-09 133<strong>10</strong>6400003605 <strong>10</strong>000000 6.50% 29-12-<strong>10</strong> 365 93 169697AmB©S>r~rAmB© ~¢H$ 29-12-09 133<strong>10</strong>6400003612 <strong>10</strong>000000 6.50% 29-12-<strong>10</strong> 365 93 169697AmB©S>r~rAmB© ~¢H$ 29-12-09 133<strong>10</strong>6400003629 <strong>10</strong>000000 6.50% 29-12-<strong>10</strong> 365 93 169697AmB©S>r~rAmB© ~¢H$ 29-12-09 133<strong>10</strong>6400003636 <strong>10</strong>000000 6.50% 29-12-<strong>10</strong> 365 93 169697n§Om~ ZoeZb ~¢H$ 29-12-09 423900GR00000067 50000000 6.00% 29-12-<strong>10</strong> 365 93 781755ñQ>oS> ~¢H$ Am°\$ h¡Xam~mX 29-12-09 62118539039 50000000 6.00% 29-12-<strong>10</strong> 365 93 781755`yH$mo ~¢H$ 29-12-09 167922 50000000 6 29-12-<strong>10</strong> 365 93 781755Am§Y«m ~¢H$ 30-12-09 52220<strong>10</strong>0050905 <strong>10</strong>0000000 6.00% 30-12-<strong>10</strong> 365 92 1546698Am§Y«m ~¢H$ 30-12-09 134020<strong>10</strong>0018741 20000000 6.00% 30-12-<strong>10</strong> 365 92 309340Am§Y«m ~¢H$ 30-12-09 123120<strong>10</strong>0002704 20000000 6.00% 30-12-<strong>10</strong> 365 92 309340Am§Y«m ~¢H$ 30-12-09 50520<strong>10</strong>0015142 20000000 6.00% 30-12-<strong>10</strong> 365 92 309340~¢H$ Am°\$ BpÝS>`m, ~era~mJ 30-12-09 8601451<strong>10</strong>001131 <strong>10</strong>0000000 6.00% 30-12-<strong>10</strong> 365 92 1546698ñQ>oS> ~¢H$ Am°\$ B§{S>`m - nr~r 30-12-09 3<strong>10</strong>08096895 9000000 6.00% 30-12-<strong>10</strong> 365 92 139203ñQ>oS> ~¢H$ Am°\$ B§{S>`m - nr~r 30-12-09 3<strong>10</strong>08097254 9000000 6.00% 30-12-<strong>10</strong> 365 92 139203ñQ>oS> ~¢H$ Am°\$ B§{S>`m - nr~r 30-12-09 3<strong>10</strong>8096454 9000000 6.00% 30-12-<strong>10</strong> 365 92 139203ñQ>oS> ~¢H$ Am°\$ B§{S>`m - nr~r 30-12-09 3<strong>10</strong>08097436 9000000 6.00% 30-12-<strong>10</strong> 365 92 139203ñQ>oS> ~¢H$ Am°\$ B§{S>`m - nr~r 30-12-09 3<strong>10</strong>08095767 9000000 6.00% 30-12-<strong>10</strong> 365 92 139203ñQ>oS> ~¢H$ Am°\$ B§{S>`m - nr~r 30-12-09 3<strong>10</strong>08097877 9000000 6.00% 30-12-<strong>10</strong> 365 92 139203ñQ>oS> ~¢H$ Am°\$ B§{S>`m - nr~r 30-12-09 3<strong>10</strong>08097684 9000000 6.00% 30-12-<strong>10</strong> 365 92 139203ñQ>oS> ~¢H$ Am°\$ B§{S>`m - nr~r 30-12-09 3<strong>10</strong>08097991 9000000 6.00% 30-12-<strong>10</strong> 365 92 139203ñQ>oS> ~¢H$ Am°\$ B§{S>`m - nr~r 30-12-09 3<strong>10</strong>08<strong>10</strong>5835 9000000 6.00% 30-12-<strong>10</strong> 365 92 139203ñQ>oS> ~¢H$ Am°\$ B§{S>`m - nr~r 30-12-09 3<strong>10</strong>08136342 8000000 6.00% 30-12-<strong>10</strong> 365 92 123736ñQ>oS> ~¢H$ Am°\$ B§{S>`m - nr~r 30-12-09 3<strong>10</strong>11624063 9000000 6.00% 30-12-<strong>10</strong> 365 92 139203ñQ>oS> ~¢H$ Am°\$ B§{S>`m - nr~r 30-12-09 3<strong>10</strong>11623592 2000000 6.00% 30-12-<strong>10</strong> 365 92 30934Am§Y«m ~¢H$ 31-12-09 151220<strong>10</strong>0018097 40000000 6.00% 31-12-<strong>10</strong> 365 91 611954Am§Y«m ~¢H$ 31-12-09 151220<strong>10</strong>0018060 40000000 6.00% 31-12-<strong>10</strong> 365 91 611954Am§Y«m ~¢H$ 31-12-09 5220<strong>10</strong>0050978 20000000 6.00% 31-12-<strong>10</strong> 365 91 305977Am§Y«m ~¢H$ 31-12-09 50520<strong>10</strong>0015151 70000000 6.00% 31-12-<strong>10</strong> 365 91 <strong>10</strong>70920Am§Y«m ~¢H$ 31-12-09 39720<strong>10</strong>0013676 20000000 6.00% 31-12-<strong>10</strong> 365 91 305977
dm{f©H$ [anmoQ>© <strong>2009</strong>-<strong>10</strong>237~r_m {d{Z`m_H$ Am¡a {dH$mg àm{YH$aUì`` {H$`o hþE ã`mO H$m {ddaU naÝVw O_m am{e na Xò Zht - 31 _mM© 20<strong>10</strong> naOmar... g§b¾H$ II~¢H$ àma§{^H$ E\$S>rAma O_m ã`mO H$m n[an¹$Vm Ad{Y 31-3-20<strong>10</strong> Cn{O©V ã`mO{V{W g§»`m YZam{e à{VeV {V{W H$mo eof {XZm| {H$ g§»`mnaÝVw Xò ZhrAm§Y«m ~¢H$ 31-12-09 151220<strong>10</strong>0018051 40000000 6.00% 31-12-<strong>10</strong> 365 91 611954~¢H$ Am°\$ ~amoS>m 31-12-09 006551 60000000 6.00% 31-12-<strong>10</strong> 365 91 917931~¢H$ Am°\$ BpÝS>`m, ~era~mJ 31-12-09 8601451<strong>10</strong>001134 50000000 6.00% 31-12-<strong>10</strong> 365 91 764943AmB©S>r~rAmB© ~¢H$ 31-12-09 133<strong>10</strong>6400003674 <strong>10</strong>000000 6.50% 31-12-<strong>10</strong> 365 91 166048AmB©S>r~rAmB© ~¢H$ 31-12-09 133<strong>10</strong>6400003667 <strong>10</strong>000000 6.50% 31-12-<strong>10</strong> 365 91 166048AmB©S>r~rAmB© ~¢H$ 31-12-09 133<strong>10</strong>6400003650 <strong>10</strong>000000 6.50% 31-12-<strong>10</strong> 365 91 166048AmB©S>r~rAmB© ~¢H$ 31-12-09 133<strong>10</strong>6400003643 <strong>10</strong>000000 6.50% 31-12-<strong>10</strong> 365 91 166048B§{S>`Z ~¢H$ 31-12-09 971118 9500000 6.25% 31-12-<strong>10</strong> 365 91 151537B§{S>`Z ~¢H$ 31-12-09 198187 9500000 6.25% 3-01-11 368 91 151585B§{S>`Z ~¢H$ 31-12-09 348648 9500000 6.25% 31-12-<strong>10</strong> 365 91 151537B§{S>`Z ~¢H$ 31-12-09 348647 9500000 6.25% 31-12-<strong>10</strong> 365 91 151537B§{S>`Z ~¢H$ 31-12-09 97<strong>10</strong>02 9500000 6.25% 31-12-<strong>10</strong> 365 91 151537B§{S>`Z ~¢H$ 31-12-09 97<strong>10</strong>03 9500000 6.25% 31-12-<strong>10</strong> 365 91 151537H$ê$a doí`m ~¢H$ 31-12-09 14<strong>10</strong>50<strong>10</strong>00073622/2 60000000 6.85% 31-12-<strong>10</strong> 365 91 <strong>10</strong>51308ñQ>oS> ~¢H$ Am°\$ B§{S>`m - nr~r 31-12-09 3<strong>10</strong>08033459 5000000 6.00% 31-12-<strong>10</strong> 365 91 76494ñQ>oS> ~¢H$ Am°\$ B§{S>`m - nr~r 31-12-09 3<strong>10</strong>08034077 9000000 6.00% 31-12-<strong>10</strong> 365 91 137690ñQ>oS> ~¢H$ Am°\$ B§{S>`m - nr~r 31-12-09 3<strong>10</strong>08033936 9000000 6.00% 31-12-<strong>10</strong> 365 91 137690ñQ>oS> ~¢H$ Am°\$ B§{S>`m - nr~r 31-12-09 3<strong>10</strong>08033798 9000000 6.00% 31-12-<strong>10</strong> 365 91 137690ñQ>oS> ~¢H$ Am°\$ B§{S>`m - nr~r 31-12-09 3<strong>10</strong>08033595 9000000 6.00% 31-12-<strong>10</strong> 365 91 137690ñQ>oS> ~¢H$ Am°\$ B§{S>`m - nr~r 31-12-09 3<strong>10</strong>08021976 9000000 6.00% 31-12-<strong>10</strong> 365 91 137690`y{Z`Z ~¢H$ Am°\$ B§{S>`m 31-12-09 561697 150000000 6.25% 31-12-<strong>10</strong> 365 91 2337329`yH$mo ~¢H$ 31-12-09 167923 30000000 6.00% 31-12-<strong>10</strong> 365 91 458966Ho$Zam ~¢H$ 2-01-<strong>10</strong> 178740<strong>10</strong>02245/31 9500000 6.25% 2-01-11 365 89 148206Ho$Zam ~¢H$ 2-01-<strong>10</strong> 178740<strong>10</strong>02245/29 9500000 6.25% 4-01-11 367 89 148238Ho$Zam ~¢H$ 2-01-<strong>10</strong> 178740<strong>10</strong>02245/32 9500000 6.25% 3-01-11 366 89 148222B§{S>`Z ~¢H$ 2-01-<strong>10</strong> 198206 9500000 6.25% 2-01-11 365 89 148206B§{S>`Z ~¢H$ 2-01-<strong>10</strong> 198207 9500000 6.25% 5-01-11 368 89 148254B§{S>`Z ~¢H$ 2-01-<strong>10</strong> 198208 9500000 6.25% 8-01-11 371 89 148300Am§Y«m ~¢H$ 4-01-<strong>10</strong> 53320<strong>10</strong>0014453 9500000 6.50% 4-01-11 365 87 150812Am§Y«m ~¢H$ 4-01-<strong>10</strong> 52220<strong>10</strong>0051418 9500000 6.50% 4-01-11 365 87 150812Am§Y«m ~¢H$ 4-01-<strong>10</strong> 50520<strong>10</strong>0015249 9500000 6.50% 4-01-11 365 87 150812Am§Y«m ~¢H$ 4-01-<strong>10</strong> 151120<strong>10</strong>00<strong>10</strong>235 9500000 6.50% 4-01-11 365 87 150812Am§Y«m ~¢H$ 4-01-<strong>10</strong> 134020<strong>10</strong>0018875 9500000 6.50% 4-01-11 365 87 150812~¢H$ Am°\$ BpÝS>`m, ~era~mJ 4-01-<strong>10</strong> 8601451<strong>10</strong>001142 9500000 6.50% 4-01-11 365 87 150812~¢H$ Am°\$ BpÝS>`m, ~era~mJ 4-01-<strong>10</strong> 8601451<strong>10</strong>001140 9500000 6.50% 4-01-11 365 87 150812
dm{f©H$ [anmoQ>© <strong>2009</strong>-<strong>10</strong>238~r_m {d{Z`m_H$ Am¡a {dH$mg àm{YH$aUì`` {H$`o hþE ã`mO H$m {ddaU naÝVw O_m am{e na Xò Zht - 31 _mM© 20<strong>10</strong> naOmar... g§b¾H$ II~¢H$ {H$ g§»`màma§{^H$ E\$S>rAma O_m ã`mO H$m n[an¹$Vm Ad{Y 31-3-20<strong>10</strong> Cn{O©V ã`mO{V{W g§»`m YZam{e à{VeV {V{W H$mo eof {XZm| naÝVw Xò Zhr~¢H$ Am°\$ BpÝS>`m, ~era~mJ 4-01-<strong>10</strong> 8601451<strong>10</strong>001141 9500000 6.50% 4-01-11 365 87 150812~¢H$ Am°\$ BpÝS>`m, ~era~mJ 4-01-<strong>10</strong> 8601451<strong>10</strong>001143 9500000 6.50% 4-01-11 365 87 150812~¢H$ Am°\$ BpÝS>`m, ~era~mJ 4-01-<strong>10</strong> 8601451<strong>10</strong>001144 9500000 6.50% 4-01-11 365 87 150812B§{S>`Z ~¢H$ 15-01-<strong>10</strong> 198255 9000000 6.25% 21-01-11 371 76 119973B§{S>`Z ~¢H$ 15-01-<strong>10</strong> 198254 9000000 6.25% 18-01-11 368 76 119936B§{S>`Z ~¢H$ 15-01-<strong>10</strong> 198253 9000000 6.25% 15-01-11 365 76 119897B§{S>`Z ~¢H$ 15-01-<strong>10</strong> 971156 9000000 6.25% 15-01-11 365 76 119897B§{S>`Z ~¢H$ 15-01-<strong>10</strong> 971157 9000000 6.25% 15-01-11 365 76 119897~¢H$ Am°\$ BpÝS>`m, ~era~mJ 5-02-<strong>10</strong> 8601451<strong>10</strong>001162 20000000 6.00% 5-02-11 365 55 184931Amo[a`§Q>b ~¢H$ Am°n H$m°_g© 5-02-<strong>10</strong> 0129303<strong>10</strong>07349 20000000 6.00% 5-02-11 365 55 184931B§{S>`Z ~¢H$ 2-03-<strong>10</strong> 971246 9000000 6.75% 2-03-11 365 30 512<strong>10</strong>B§{S>`Z ~¢H$ 2-03-<strong>10</strong> 971247 9000000 6.75% 2-03-11 365 30 512<strong>10</strong>B§{S>`Z ~¢H$ 5-03-<strong>10</strong> 971252 20000000 6.00% 5-03-11 365 27 90784`y{Z`Z ~¢H$ Am°\$ B§{S>`m 5-03-<strong>10</strong> 607802 20000000 6.00% 5-03-11 365 27 90784goÝQ´>b ~¢H$ Am°\$ B§{S>`m 5-03-<strong>10</strong> 55843 20000000 6.00% 5-03-11 365 27 90784Am§Y«m ~¢H$ 15-03-<strong>10</strong> 50520<strong>10</strong>0019315 9000000 6.50% 15-03-11 365 17 27918Am§Y«m ~¢H$ 15-03-<strong>10</strong> 50520<strong>10</strong>0019324 9000000 6.50% 15-03-11 365 17 27918Ho$Zam ~¢H$ 15-03-<strong>10</strong> 468680 9000000 6.50% 15-03-11 365 17 27918Ho$Zam ~¢H$ 15-03-<strong>10</strong> 468681 9000000 6.50% 15-03-11 365 17 27918B§{S>`Z ~¢H$ 30-03-<strong>10</strong> 9713<strong>10</strong> 9000000 6.75% 30-03-11 365 2 3414B§{S>`Z ~¢H$ 30-03-<strong>10</strong> 971311 9000000 6.75% 30-03-11 365 2 3414B§{S>`Z ~¢H$ 30-03-<strong>10</strong> 971316 9000000 6.75% 30-03-11 365 2 3414B§{S>`Z ~¢H$ 30-03-<strong>10</strong> 971317 9000000 6.75% 30-03-11 365 2 3414Am§Y«m ~¢H$ 31-03-<strong>10</strong> 52220<strong>10</strong>0057494 220000000 6.80% 31-03-11 365 1 42043Am§Y«m ~¢H$ 31-03-<strong>10</strong> 434020<strong>10</strong>0021523 50000000 6.80% 31-03-11 365 1 8406Am§Y«m ~¢H$ 31-03-<strong>10</strong> 123120<strong>10</strong>0003174 20000000 6.80% 31-03-11 365 1 3822Am§Y«m ~¢H$ 31-03-<strong>10</strong> 50520<strong>10</strong>0020047 60000000 6.80% 31-03-11 365 1 11466Am§Y«m ~¢H$ 31-03-<strong>10</strong> 18420<strong>10</strong>0002616 <strong>10</strong>000000 6.80% 31-03-11 365 1 1911Am§Y«m ~¢H$ 31-03-<strong>10</strong> <strong>10</strong>7020<strong>10</strong>0009789 20000000 6.80% 31-03-11 365 1 3822~¢H$ Am°\$ BpÝS>`m, ~era~mJ 31-03-<strong>10</strong> 8601561<strong>10</strong>0001<strong>10</strong> 300000000 6.75% 31-05-11 426 1 57246AmB©S>r~rAmB© ~¢H$ 31-03-<strong>10</strong> 133<strong>10</strong>6400005005 <strong>10</strong>000000 6.75% 31-07-11 487 1 1920AmB©S>r~rAmB© ~¢H$ 31-03-<strong>10</strong> 133<strong>10</strong>6400004992 <strong>10</strong>000000 6.75% 31-07-11 487 1 1920AmB©S>r~rAmB© ~¢H$ 31-03-<strong>10</strong> 133<strong>10</strong>6400004985 <strong>10</strong>000000 6.75% 31-07-11 487 1 1920AmB©S>r~rAmB© ~¢H$ 31-03-<strong>10</strong> 133<strong>10</strong>6400004978 <strong>10</strong>000000 6.75% 30-06-11 456 1 1914AmB©S>r~rAmB© ~¢H$ 31-03-<strong>10</strong> 133<strong>10</strong>6400004961 <strong>10</strong>000000 6.75% 30-06-11 456 1 1914AmB©S>r~rAmB© ~¢H$ 31-03-<strong>10</strong> 133<strong>10</strong>6400004954 <strong>10</strong>000000 6.75% 30-06-11 456 1 1914AmB©S>r~rAmB© ~¢H$ 31-03-<strong>10</strong> 133<strong>10</strong>6400004947 <strong>10</strong>000000 6.75% 31-05-11 426 1 1908AmB©S>r~rAmB© ~¢H$ 31-03-<strong>10</strong> 133<strong>10</strong>6400004930 <strong>10</strong>000000 6.75% 31-05-11 426 1 1908
dm{f©H$ [anmoQ>© <strong>2009</strong>-<strong>10</strong>239~r_m {d{Z`m_H$ Am¡a {dH$mg àm{YH$aUì`` {H$`o hþE ã`mO H$m {ddaU naÝVw O_m am{e na Xò Zht - 31 _mM© 20<strong>10</strong> naOmar... g§b¾H$ II~¢H$ àma§{^H$ E\$S>rAma O_m ã`mO H$m n[an¹$Vm Ad{Y 31-3-20<strong>10</strong> Cn{O©V ã`mO{V{W g§»`m YZam{e à{VeV {V{W H$mo eof {XZm| {H$ g§»`mnaÝVw Xò ZhrAmB©S>r~rAmB© ~¢H$ 31-03-<strong>10</strong> 133<strong>10</strong>6400004923 <strong>10</strong>000000 6.75% 31-05-11 426 1 1908AmB©S>r~rAmB© ~¢H$ 31-03-<strong>10</strong> 133<strong>10</strong>6400004916 <strong>10</strong>000000 6.75% 2-05-11 397 1 1903AmB©S>r~rAmB© ~¢H$ 31-03-<strong>10</strong> 133<strong>10</strong>6400004909 <strong>10</strong>000000 6.75% 2-05-11 397 1 1903AmB©S>r~rAmB© ~¢H$ 31-03-<strong>10</strong> 133<strong>10</strong>6400004893 <strong>10</strong>000000 6.75% 2-05-11 397 1 1903AmB©S>r~rAmB© ~¢H$ 31-03-<strong>10</strong> 133<strong>10</strong>6400004886 <strong>10</strong>000000 6.75% 4-04-11 369 1 1898AmB©S>r~rAmB© ~¢H$ 31-03-<strong>10</strong> 133<strong>10</strong>6400004879 <strong>10</strong>000000 6.75% 4-04-11 369 1 1898AmB©S>r~rAmB© ~¢H$ 31-03-<strong>10</strong> 133<strong>10</strong>6400004862 <strong>10</strong>000000 6.75% 4-04-11 369 1 1898B§{S>`Z ~¢H$ 31-03-<strong>10</strong> 348779 9000000 6.75% 30-04-11 395 1 1713B§{S>`Z ~¢H$ 31-03-<strong>10</strong> 348775 9000000 6.75% <strong>10</strong>-04-11 375 1 1709B§{S>`Z ~¢H$ 31-03-<strong>10</strong> 348776 9000000 6.75% 15-04-11 380 1 17<strong>10</strong>B§{S>`Z ~¢H$ 31-03-<strong>10</strong> 348777 9000000 6.75% 20-04-11 385 1 1711B§{S>`Z ~¢H$ 31-03-<strong>10</strong> 348778 9000000 6.75% 25-04-11 390 1 1712B§{S>`Z ~¢H$ 31-03-<strong>10</strong> 348780 5000000 6.75% 15-05-11 4<strong>10</strong> 1 782B§{S>`Z ~¢H$ 31-03-<strong>10</strong> 971372 20000000 6.00% 31-03-11 365 1 3362B§{S>`Z ~¢H$ 31-03-<strong>10</strong> 971371 30000000 6.00% 31-03-11 365 1 5044H$ê$a doí`m ~¢H$,Ama.nr.amoS> 31-03-<strong>10</strong> 14<strong>10</strong>557000000048/1 <strong>10</strong>0000000 7.35% 30-04-11 395 1 20772Amo[a`§Q>b ~¢H$ Am°n H$m°_g© 31-03-<strong>10</strong> 0129303<strong>10</strong>07493 40000000 6.50% 31-03-11 365 1 7299Amo[a`§Q>b ~¢H$ Am°n H$m°_g© 31-03-<strong>10</strong> 1111303<strong>10</strong><strong>10</strong>125 50000000 6.50% 31-03-11 365 1 9124Amo[a`§Q>b ~¢H$ Am°n H$m°_g© 31-03-<strong>10</strong> <strong>10</strong>81303<strong>10</strong>24597 20000000 6.50% 31-03-11 365 1 3649ñQ>oS> ~¢H$ Am°\$ h¡Xam~mX 31-03-<strong>10</strong> 62128041872 <strong>10</strong>0000000 7.00% 31-05-11 426 1 19812ñQ>oS> ~¢H$ Am°\$ h¡Xam~mX 31-03-<strong>10</strong> 62132616701 9500000 7.00% 31-03-11 365 1 1870ñQ>oS> ~¢H$ Am°\$ h¡Xam~mX 31-03-<strong>10</strong> 62132620581 9500000 7.00% 31-03-11 365 1 1870ñQ>oS> ~¢H$ Am°\$ h¡Xam~mX 31-03-<strong>10</strong> 62132620717 9500000 7.00% 31-03-11 365 1 1870ñQ>oS> ~¢H$ Am°\$ h¡Xam~mX 31-03-<strong>10</strong> 62132620795 9500000 7.00% 31-03-11 365 1 1870ñQ>oS> ~¢H$ Am°\$ h¡Xam~mX 31-03-<strong>10</strong> 62132620988 9500000 7.00% 31-03-11 365 1 1870ñQ>oS> ~¢H$ Am°\$ h¡Xam~mX 31-03-<strong>10</strong> 6213262<strong>10</strong>30 9500000 7.00% 31-03-11 365 1 1870ñQ>oS> ~¢H$ Am°\$ h¡Xam~mX 31-03-<strong>10</strong> 6213262<strong>10</strong>63 9500000 7.00% 31-03-11 365 1 1870ñQ>oS> ~¢H$ Am°\$ h¡Xam~mX 31-03-<strong>10</strong> 62132621121 9500000 7.00% 31-03-11 365 1 1870ñQ>oS> ~¢H$ Am°\$ h¡Xam~mX 31-03-<strong>10</strong> 62132621176 9500000 7.00% 31-03-11 365 1 1870ñQ>oS> ~¢H$ Am°\$ h¡Xam~mX 31-03-<strong>10</strong> 62132621201 9500000 7.00% 31-03-11 365 1 1870ñQ>oS> ~¢H$ Am°\$ h¡Xam~mX 31-03-<strong>10</strong> 62132621223 5000000 7.00% 31-03-11 365 1 984ñQ>oS> ~¢H$ Am°\$ B§{S>`m - nr~r 31-03-<strong>10</strong> 31122782513 <strong>10</strong>0000000 6.00% 31-03-11 365 1 16812qgS>rHo$Q> ~¢H$ 31-03-<strong>10</strong> 300445800000<strong>10</strong>/2 <strong>10</strong>0000000 6.00% 31-03-11 365 1 16812`y{Z`Z ~¢H$ Am°\$ B§{S>`m 31-03-<strong>10</strong> 921582 <strong>10</strong>000000 6.00% 31-03-11 365 1 1681`y{Z`Z ~¢H$ Am°\$ B§{S>`m 31-03-<strong>10</strong> 921583 30000000 6.00% 31-03-11 365 1 5044bú_r {dbmg ~¢H$ 31-03-<strong>10</strong> 029712<strong>10</strong>00022112/1 60000000 7.50% 31-03-11 365 1 12680Total 6222900000 117902040
dm{f©H$ [anmoQ>© <strong>2009</strong>-<strong>10</strong>~r_m {d{Z`m_H$ Am¡a {dH$mg àm{YH$aU31 _mM© 20<strong>10</strong> H$mo VwbZ nÌ Ho$ g§b¾H$ VWm ^mJ Ho$ én _odV©_mZ n[ag§n{Îm`m±, F$U VWm A{J«_{ddaU dV©_mZ dJ© Ho$ {bE {nN>bo dJ© Ho$ {bEAm§H$S>o Am§H$S>o240(<strong>2009</strong>-<strong>10</strong>) (2008-09)``O_mn[aga Ho$ {bE 47,825E_Q>rEZEb-AÝ` 66,674 68,663{dÚwV Ho$ {bE 350,375 282,099BªYZ Ho$ {bE 7,650 7,650Ho$ {bE 1,008,900 314,300`moJ 1,433,599 720,537ñQ>m°\$ H$mo F$U VWm A{J«_ñQ>m°\$ H$mo Amdmgr F$U 42,561,444 41,607,168Xygao à`moOZm| Ho$ {bE ñQ>m°\$ H$mo F$U 9,<strong>10</strong>8,965 7,605,368AÝ` A{J«_-Ë`m¡hma 557,568 485,787dgybr `mo½` ã`mO 7,642,795 5,092,307A{J«_ - AÝ` 3,636,387 -A{J«_ - AÝ` 232,<strong>10</strong>0 350,000`moJ 63,739,259 55,140,630~r_m H§$n{`m| VWm Xygam| go X`o am{e`m±~r_m H§$n{Z`m± (amÁ` ~r_m H§$n{Z`m| go Xò am{e`m± h¡) - 69,<strong>10</strong>0A{^H$Vm© (nyd© _| A{^H$mVm©Am| go àmá hñVo M¡H$ H$s am{e`m± {XH$mVm h¡) - 37,400`moJ - <strong>10</strong>6,500AÝ` dV©_mZ n[ag§n{Îm`m±dgwbr `mo½` ì`` - 1,672,460nyd©XÎm ì`` 117,902,040 124,000,652Cn{O©V ã`mO naÝVw Xò Zht - ~¢H$ O_mE± 657,738 525,308dgybr `mo½` am{e-AÝ` 204,120 204,120ny§Or ImVm| na A{J«_-(gm°âQ>dò a {dH$mg Ho$ {bE) 24,215,293 25,888,906nrE\$AmaS>rE H$mo A{J«_ - 1,681,305AÝ`-`mÌm Ho$ {bE A{J«_ 405,117 207,435`moJ 143,384,308 154,180,186ZJX VWm ~¢H$ eofhmW amoH$‹S> 52,622 63,723hñVo M¡H$ -nmaJ_Z _| ZJX/M¡H$ -AZwgy{MV ~¢H$m| _| eofH$) Mmbw ImVo _| 34,702,549 6,546,312I) O_m IVmo _| -J) ~MV ImVo _| 21,987 23,237`moJ 34,724,536 6,569,550J¡a AZwgy{MV ~¢H$m| _| eofH$) Mmbw ImVo _| - -I) O_m ImVo _| - -`moJ - -(EZ lr{Zdmg amd) (Or à^mH$am) (Ama H$ÞZ)_w»` boIm A{YH$mar gXñ` gXñ`(Ho$.Ho$. lr{Zdmg) (Ama Ho$ Zm`a) (Oo. h[a Zmam`U)gXñ` gXñ` AÜ`jg§b¾H$ IIi
dm{f©H$ [anmoQ>© <strong>2009</strong>-<strong>10</strong>~r_m {d{Z`m_H$ Am¡a {dH$mg àm{YH$aU31 _mM© 20<strong>10</strong> H$mo VwbZ nÌ Ho$ g§b¾H$ VWm ^mJ Ho$ én _og§b¾H$ IV{ddaU dV©_mZ df© Ho$ {bE {nN>bo df© Ho$ {bEAm§S>Ho$Am§H$S>o(<strong>2009</strong>-<strong>10</strong>) (2008-09)``^maV gaH$ma go àmá AZwXmZ - -`moJ - -(EZ lr{Zdmg amd) (Or à^mH$am) (Ama H$ÞZ)_w»` boIm A{YH$mar gXñ` gXñ`(Ho$.Ho$. lr{Zdmg) (Ama Ho$ Zm`a) (Oo. h[a Zmam`U)gXñ` gXñ` AÜ`j~r_m {d{Z`m_H$ Am¡a {dH$mg àm{YH$aU31 _mM© 20<strong>10</strong> H$mo VwbZ nÌ Ho$ g§b¾H$ VWm ^mJ Ho$ én _og§b¾H$ VA{ZpíMV F$U{ddaU dV©_mZ df© Ho$ {bE {nN>bo df© Ho$ {bEAm§S>Ho$Am§H$S>o(<strong>2009</strong>-<strong>10</strong>) (2008-09)``- -(EZ lr{Zdmg amd) (Or à^mH$am) (Ama H$ÞZ)_w»` boIm A{YH$mar gXñ` gXñ`(Ho$.Ho$. lr{Zdmg) (Ama Ho$ Zm`a) (Oo. h[a Zmam`U)gXñ` gXñ` AÜ`j241
dm{f©H$ [anmoQ>© <strong>2009</strong>-<strong>10</strong>~r_m {d{Z`m_H$ Am¡a {dH$mg àm{YH$aU31 _mM© 20<strong>10</strong> H$mo g_má hþE df© Ho$ {bE Am` VWm ì`` ImVo H$m {hñgm VWm BgH$m g§b¾H$H$_©Mm[a`m| H$mo ^wJVmZ VWm àmdYmZ{ddaU dV©_mZ df© Ho$ {bEAm§H$‹S>o (`){nN>bo df© Ho$ {bEAm§H$‹S>o (`)(<strong>2009</strong>-<strong>10</strong>) (2008-09)g§b¾H$ VIi) doVZ, ^Îmo _OXyar VWm ~moZg 76,043,374 56,400,308ii)^{dî` {Z{Y Am{X _| A§eXmZ(A{Yd{f©Vm {Z{Y _| 75,66,633 A§eXmZ) 7,546,796 15,140,822iii) CnXmZ 1,727,637 1,311,781iv) ñQ>m°\$ H$ë`mU ì`` 1,030,305 844,523v) AÝ`-nwñVH$ AZwXmZ 54,0<strong>10</strong> 9,292-Nw>Q²>Q>r `mÌm [a`m`V 1,734,115 877,422-~r_m - --Ho$ÝQ>rZ ì`` - --Am{W©H$ nwañH$ma-AÜ``Z - --g_yh ~r_m `moOZm _| A§eXmZ 176,552 1,113,019-ñQ>m°\$ Ho$ Ûmam dhZ {H$E JE ì``m| H$m ^wJVmZ 6,700,487 5,900,881-AdH$me doVZ 3,654,485 1,579,143Hw$b 98,667,761 83,177,191(EZ lr{Zdmg amd) (Or à^mH$am) (Ama H$ÞZ)_w»` boIm A{YH$mar gXñ` gXñ`(Ho$.Ho$. lr{Zdmg) (Ama Ho$ Zm`a) (Oo. h[a Zmam`U)gXñ` gXñ` AÜ`j242
dm{f©H$ [anmoQ>© <strong>2009</strong>-<strong>10</strong>~r_m {d{Z`m_H$ Am¡a {dH$mg àm{YH$aU31 _mM© 20<strong>10</strong> H$mo g_má hþE df© Ho$ {bE Am` VWm ì`` ImVo H$m {hñgm VWm BgH$m g§b¾H$ñWmnZ ì``{ddaU dV©_mZ df© Ho$ {bEAm§H$‹S>o (`){nN>bo df© Ho$ {bEAm§H$‹S>o (`)(<strong>2009</strong>-<strong>10</strong>) (2008-09)g§b¾H$ VII^dZ VWm n[aga H$s _aå_V VWm aIaImd 1,397,111 5,496,003J¥h ì`dñWm - H$m`m©b` aIaImd 2,779,731 1,260,472CnH$aUm| H$s _aå_V VWm aIaImd 918,621 862,393_aå_V VWm aIaImd - AÝ` - -{dÚwV VWm Ob ì`` 2,030,700 1,530,274~r_m ì`` 184,280 99,968Xa| VWm H$a - -N>nmB© VWm ñQ>oeZar 2,049,629 1,734,923~wŠg/OZ©ëg Am{X 57,878 46,691S>mH$, Vma, Q>o{b\$moZ, Am{X 6,633,694 3,942,770`mÌm VWm n[adhZ AmÝV[aH$ 19,344,859 18,982,234n[adhZ - {dXoe 11,694,304 14,811,718{d{YH$ VWm ì`mdgm{`H$ ewëH$ - 11,434,143{ejm/à{ejU/emoY VWm AÜ``Z/{eH$m`V g_mYmZ ì`` 7,959,351 392,4<strong>10</strong>Am°{S>Q> ì`` 248,532 285,000gm°âQ>do`a - -àMma VWm {dkmnZ - -^Vu 186,399 -àm{YH$aU VWm gbmhH$ma g{_{V H$s ~¡R>H$ Ho$ ì`` VWm AÝ` ~¡R>H$m|Ho$ ì`` g{hV Ho$ gXñ`m| H$mo ^JwVmZ {H$E JE X¡{ZH$ ^Îmo - 1,660,124gXñ`Vm VWm MÝXm 1,154,875 1,553,269gwajm godmE± 689,838 714,097do~ nmoQ>©b {dH$mg ì`` - -Ho$ÝQ>rZ ì`` 3,528,475 2,036,025H$ma _aå_V VWm aIaImd ì`` 150,364 111,004AÝ` ì`` 484,032 149,679Hw$b 61,492,673 67,<strong>10</strong>3,197(EZ lr{Zdmg amd) (Or à^mH$am) (Ama H$ÞZ)_w»` boIm A{YH$mar gXñ` gXñ`(Ho$.Ho$. lr{Zdmg) (Ama Ho$ Zm`a) (Oo. h[a Zmam`U)gXñ` gXñ` AÜ`j243
dm{f©H$ [anmoQ>© <strong>2009</strong>-<strong>10</strong>~r_m {d{Z`m_H$ Am¡a {dH$mg àm{YH$aU31 _mM© 20<strong>10</strong> H$mo g_má hþE df© Ho$ {bE Am` VWm ì`` ImVo H$m {hñgm VWm BgH$m g§b¾H$ã`mOg§b¾H$ VIII{ddaU dV©_mZ df© Ho$ {bEAm§H$‹S>o (`){nN>bo df© Ho$ {bEAm§H$‹S>o (`)(<strong>2009</strong>-<strong>10</strong>) (2008-09)gaH$mar - -~¢H$ - -AÝ` - -Hw$b - -(EZ lr{Zdmg amd) (Or à^mH$am) (Ama H$ÞZ)_w»` boIm A{YH$mar gXñ` gXñ`(Ho$.Ho$. lr{Zdmg) (Ama Ho$ Zm`a) (Oo. h[a Zmam`U)gXñ` gXñ` AÜ`j244
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