ѧýlÅ ¯ólsìæ ѧýlÅÌZ..
14
{Ô¶æ§é®Ð鯌æ Ë¿¶æ™ól gêq¯]l…
● ●
çܵÆý‡®Ä¶æ* Ð]lÆý‡®™ól ѧýlÅ
B¨ÐéÆý‡… 17-9-2017
f¯]lÆý‡ÌŒæ çÜtyîl‹Ü: C…yìlĶæ$¯Œæ íßæçÜtÈ C…rÈÃyìlÄñæ$sŒæ: Ð]l*Å£ýlÐðl$sìæMŠæÞ Ò$ çÜË-àË$, çÜ…§ól-àË$ ç³…´ë-ÍÞ¯]l D&Ððl$Ƈ¬ÌŒ sakshieducation@gmail.com
ç³È„ýS ™ól©Ë$ ■ ■
■
"çÜ${ï³…MøÆŠ‡t B‹œ C…yìlĶæ*'ÌZ þ°Ä¶æ$ÆŠ‡ MøÆŠ‡t AíÜòÜt…sŒæ GV>jÐŒl$: òÜò³t…ºÆŠ‡ 17 ™ðlË…V>×æ Æð‡íÜyðl°ÛĶæ$ÌŒæ Gyýl$ÅMóSçÙ¯]lÌŒæ C¯ŒlíÜtr*ÅçÙ¯ŒlÞÌZ Ýët‹œ ¯]lÆŠ‡ÞË °Ä¶æ*Ð]l$MýS ç³È„ýS: òÜò³t…ºÆŠ‡ 17; ï³DsîæË$, OÌñæ{»ôæÇĶæ$¯]lÏ °Ä¶æ*Ð]l$MýS ç³È„ýS: òÜò³t…ºÆŠ‡ 17, 18 Ýët‹œ òÜËMýSÛ¯Œl MýSÑ$çÙ¯Œl "OòÜ…sìæíœMŠS AíÜòÜt…sŒæÞ C¯Œl C…yìlĶæ* Ñ$sìæÄñæ¬ÆöÌêhMýSÌŒ yìl´ëÆŠ‡tÐðl$…sŒæ' MýS…ç³NÅrÆŠ‡ »ôæ‹Üz GV>jÐŒl$: òÜò³t…ºÆŠ‡ 20 ¯]l$…_ 23 Ð]lÆý‡MýS$.
BǦMSý Æý‡…VýS…&Ð]lÆý‡¢Ð]l*¯]l A…Ô>Ë$ VøϺ̌æ çßæ*ÅÐ]l$¯Œl M>Åí³rÌŒæ C…yðlMŠSÞ&2017 ➤
Ð]lÆý‡ÌŒæz GMýS¯]lÑ$MŠS ¸ùÆý‡… (yýlº*ÏÅDG‹œ) Ððl¬™èl¢… 130 §ólÔ>ËMýS$ çÜ…º…«¨…_ Æý‡*´÷…¨…_¯]l {ç³ç³…^èl Ð]l*¯]lÐ]l Ð]lÊË«§ýl¯]l çÜ*`ÌZ ¿êÆý‡™èl§ólÔ¶æ… 103Ð]l Ý릯]l… ´÷…¨…¨. D çÜ*`ÌZ ¯éÆó‡Ó {ç³£ýlÐ]l$ Ý릯]l… ´÷…§ýlV> 휯éÏ…yŠæ Æð‡…yø Ý릯鰲, íÜÓrjÆ>Ï…yŠl Ð]lÊyø Ý릯鰲 ´÷…§éƇ¬. AÐðl$ÇM> ¯éË$Vø Ý릯]l… ´÷…§ýlV> I§ýl$, BÆý‡$ Ý릯éÌZÏ Ð]lÆý‡$çÜV> yðl¯éÃÆŠ‡P, fÆý‡Ã± °Í^éƇ¬. ÝëÐ]l$Æý‡¦Å… (¸ëÆý‡ÃÌŒæ Gyýl$ÅMóSçÙ¯ŒlÌZ VýS™èlæ ò³r$tºyìl), ÑçÜ¢Æý‡×æ (ç³° §éÓÆ> O¯ðlç³#×æÅ™èl), AÀÐ]l–¨® ({ç³çÜ$¢™èl {Ô>Ñ$MýS$ÌZÏ A‹³íÜPÍÏ…VŠS A…yŠl ÈíÜPÍÏ…VŠS), know-how (ç³° Ð]l§ýlª {ç³™ólÅMýS O¯ðlç³#×æÅ™èl Ñ°Äñæ*VýS…) A¯ól MöËÐ]l*¯éË B«§éÆý‡…V> {ç³ç³…^èl Ð]l*¯]lÐ]l Ð]lÊË«§ýl¯]l çÜ*`° Ð]lÆý‡ÌŒæz GMýS¯]lÑ$MŠS ¸ùÆý‡… Æý‡*´÷…¨…_…¨. D °Ðól¨MýS {ç³M>Æý‡… {ç³ç³…^èlÐéÅç³¢…V> Ð]l*¯]lÐ]l Ð]lÊË«§ýl¯]l…ÌZ 62 Ô>™èl… Ðól$Æý‡ AÀÐ]l–¨® ¯]lÐðl*O§ðl…¨. D çÜ*` ÑçÙĶæ$…ÌZ Ñ$Wͯ]l {¼MŠSÞ §ólÔ>Ë™ø ´ùÍa¯]l糚yýl$ ¿êÆý‡™Œl Ððl¯]lMýSºyìl…¨. Æý‡çÙůŒl òœyýlÆó‡çÙ¯Œl 16Ð]l Ý릯]l… ´÷…§ýlV>, O^ðl¯é 34, {»ñæhÌŒæ 77, §ýl„ìS×ê{íœM> 87Ð]l Ý릯]l… ´÷…§éƇ¬. §ýl„ìS×êíÜĶæ* §ólÔ>OÌñæ¯]l }Ë…MýS, ¯ól´ëÌŒæ™ø ´ùÍa¯]l糚yýl$ ¿êÆý‡™Œl D çÜ*`ÌZ Ððl¯]lMýSºyìl…¨. A˵ ѧéÅÝë¦Æ‡¬, A˵ Ð]l*¯]lÐ]l Ð]lÊË«§ýl¯]l AÀÐ]l–¨®, O¯ðlç³#×æÅ™èl¯]l$ çÜ{MýSÐ]l$…V> Ñ°Äñæ*W…^èl$MøMýS´ùÐ]lyýl… ™èl¨™èlÆý‡ A…Ô>Ë M>Æý‡×æ…V> ¿êÆý‡™Œl D çÜ*`ÌZ Ððl¯]lMýSºyìl…§ýl° Ð]lÆý‡ÌŒæz GMýS¯]lÑ$MŠS ¸ùÆý‡… AÀ{´ëĶæ$ç³yìl…¨. E´ë«¨MìS çÜ…º…«¨…_ gñæ…yýlÆŠ‡ V>Å‹³ ÑçÙĶæ$…ÌZ {ç³ç³…^èl…ÌZ ¿êÆý‡™Œl _Ð]lÇ Ý릯]l… ´÷…§ýlV> ¿¶æÑçÙÅ™Œl MøçÜ… AÐ]lçÜÆý‡OÐðl$¯]l O¯ðlç³#×æÅ™èl AÀÐ]l–¨® ÑçÙĶæ$…ÌZ Ððl¬™èl¢… 130 §ólÔ>ÌZÏ 65Ð]l Ý릯]l… ´÷…¨…¨. {Ô>Ñ$MýS Ô¶æMìS¢ ¿êVýSÝëÓÐ]l$Å Æó‡r$ÌZ 118Ð]l Ý릯]l… ´÷…¨¯]l ¿êÆý‡™èl§ólÔ¶æ…ÌZ A«¨MýS Ô>™èl… {Ô>Ñ$MýS$Ë$ AçÜ…çœ$sìæ™èl Æý‡…VýS…ÌZ Ìôæ§é iÐ]l¯é«§éÆý‡ E´ë«¨ ´÷…§ýl$™èl$¯]l²r$ÏV> °Ðól¨MýS ÐðlËÏyìl…_…¨. D çÜ*`MìS çÜ…º…«¨…_ know-how MöËÐ]l*¯]l… ÑçÙĶæ$…ÌZ ¿êÆý‡™Œl {ç³VýS† Ý뫨…_¯]lr$Ï °Ðól¨MýS õ³ÆöP…¨. ¿êÆý‡™èl§ólÔ¶æ… A¯ólMýS çÜÐéâ¶æϯ]l$ G§ýl$ÆöP…r$¯]l²ç³µsìæMîS çÜOÆð‡¯]l Ð]l*Æý‡Y…ÌZ¯ól
{X‹Ü íܦ†VýS™èl$ÌZÏ Ððl$Æý‡$VýS$§ýlË ➤
{X‹Ü ³ç rÏ A…™èlÆ>j¡Ä¶æ$ çÜÐ]l*f… AÀ{´ëĶæ$…ÌZ Ð]l*Æý‡$µ¯]lMýS$ çÜ…º…«¨…_ {糿¶æ$™èlÓ… ÑfĶæ$Ð]l…™èlOÐðl$…§ýl° {X‹Ü {糫§é° AÌñæMìSÞ‹Ü æ íÜ{´ë‹Ü AÀ{´ëĶæ$ç³yézÆý‡$. {VðSWjsŒæ Ý릯]l…ÌZ "{W¯ŒlÐðl‹Üt' {´ë^èl$Æý‡Å… ´÷…¨…§ýl° {X‹Ü {糫§é° õ³ÆöP¯é²Æý‡$. 2017 Ððl¬§ýlsìæ AÆý‡® ¿êVýS…ÌZ {X‹Ü BǦMSý Ð]l–¨® Æó‡r$ 0.8 Ô>™èl… M>V> çÜ…Ð]l™èlÞÆ>…™é°MìS 2 Ô>™é°MìS ^ólÆý‡$MýS$…r$…§ýl° BĶæ$¯]l ™ðlÍ´ëÆý‡$. VýS™èl §ýlÔ>ºª M>Ë…™ø ´ùÍa¯]l糚yýl$ 2017ÌZ {X‹Ü BMýSÇÛ…_¯]l ѧólÖ {ç³™èlÅ„ýS ò³r$tºyýl$Ë$ GMýS$PÐ]l. 2017Ð]l çÜ…Ð]l™èlÞÆý‡… Ððl¬§ýlsìæ ¯éË$VýS$ Ð]l*ÝëÌZÏ {X‹Ü 2.2 ¼ÍĶæ$¯Œl yéËÆý‡Ï ѧólÖ {ç³™èlÅ„ýS ò³r$tºyýl$˯]l$ BMýSÇÛ…_…¨. çÜ…§ýlÆý‡ØMýS$Ë {ç³Ðéçßæ…ÌZ Ð]l–¨® M>Æý‡×æ…V> Æ>ºyìlÌZ 20 Ô>™èl… ò³Æý‡$VýS$§ýlË™ø´ër$ 糨 Ë„ýSË Ð]l$…¨MìS E´ë«¨ AÐ]lM>Ô>Ë$ ËÀ…^éƇ¬. {X‹Ü Æý‡$×æ çÜ…„ø¿¶æ… ¯ólç³£ýlÅ…ÌZ 2010 ™èl§ýl$ç³Ç M>Ë…ÌZ ¨ ĶæÊÆøí³Ä¶æ$¯Œl MýSÑ$çÙ¯Œl, ¨ ĶæÊÆøí³Ä¶æ$¯Œl òÜ…{rÌŒæ »êÅ…MŠS, ¨ ĶæÊÆøí³Ä¶æ$¯Œl ĶæʰĶæ$¯Œl òÜt¼OÌñægôæçÙ¯Œl 眅yŠl (íܦÈMýSÆý‡×æ °«¨), A…™èlÆ>j¡Ä¶æ$ {§ýlÐ]lÅ°«¨ (IG…G‹œ).. 344.6 ¼ÍĶæ$¯Œl yéËÆý‡Ï Æý‡$×ê°MìS çÜ…º…«¨…_ Ð]lÊyýl$ Æý‡$×æ M>Æý‡Å{MýSÐ]l*˯]l$ BÐðl*¨…^éƇ¬. D ¯ólç³£ýlÅ…ÌZ {X‹Ü BǦMýS çÜ…çÜPÆý‡×æ˯]l$ ^ólç³sìæt…¨.
{ç³ç³…^èl BǦMýS MóS…{§ýl…V> Ë…yýl¯Œ ➤
{ç³ç³…^èl BǦMýS MóS…{§éË çÜ*`ÌZ {ç³ç³…^èl…ÌZ A™èlÅ…™èl BMýSÆý‡Û×îæĶæ$OÐðl$¯]l BǦMýS MóS…{§ýl…V> Ë…yýl¯Œl °Í_…¨. ĶæÊÆøí³Ä¶æ$¯Œl ĶæʰĶæ$¯Œl ¯]l$…_ {¼r¯Œl OÐðl§öËV>Ë° °Æý‡~Ƈ¬…^èl$MýS$¯]l²
M>…í³sîæsìæÐŒæ Mú¯ðlÞÍ…VŠæ E§øÅVýS °Ä¶æ*Ð]l$MýS ç³È„ýSËMýS$ {í³ç³Æó‡çÙ¯ŒlÌZ A¯]l$çÜÇ…^éÍÞ¯]l Ñ«§é¯éÌôæÑ$sìæ?
E§øÅVýS °Ä¶æ*Ð]l$MýS
yólsê¯]l$ f¯]lÆó‡sŒæ ^ólĶæ$V>, 2016ÌZ 559 Ððl$V>O»ñærÏ Ððl¬O»ñæÌŒæ yólsê¯]l$ f¯]lÆó‡sŒæ ^ólíÜ…¨. 2016ÌZ ¿êÆý‡™èl Ððl¬O»ñæÌŒæ yólsêÌZ ÒyìlÄñæ* MýS…sñæ…sŒæ Ñ°Äñæ*VýS… 49 Ô>™èl… M>V>, 2021 ¯ésìæMìS A¨ 75 Ô>™é°MìS ^ólÆý‡VýS˧ýl° A…^èl¯é. ÝëÃÆŠæt Æý‡Ðé×ê, ÝëÃÆŠæt Ò$rÆý‡Ï Ð]l…sìæ C…rÆð‡²sŒæ B‹œ ¤…VŠSÞ (IKsîæ) sñæM>²ËiÌZ AyéÓ¯ŒæÞÐðl$…sŒæ M>Æý‡×æ…V> Ððl¬O»ñæÌŒæ r$ Ððl¬O»ñæÌŒæ çÜÈÓçÜ$ÌZÏ 21 Ô>™èl… ò³Æý‡$VýS$§ýlË E…yýlVýS˧ýl° A…^èl¯é. 2020 ¯ésìæMìS ¿êÆý‡™èl sñæÍMýS… Ð]l*Æð‡PsŒæ 6.6 {sìæÍĶæ$¯Œæ Æý‡*´ëĶæ$Ë Æ>ºyìl° A…¨…^ól Ýë¦Æ‡¬MìS ^ólÆý‡$MýS$…r$…§ýl° A…^èl¯é.
ç³Ä¶æ$°çÜ$¢¯]l²r$Ï MýS°í³Ýù¢…§ýl° Ð]lÆý‡ÌŒæz GMýS¯]lÑ$MŠS ¸ùÆý‡… õ³ÆöP…¨. ¯éË$Vø ´ëÇ{Ô>Ñ$MýS Ñç³ÏÐ]l… ¯]l*™èl¯]l…V> AÐ]lçÜÆý‡OÐðl$¯]l O¯ðlç³#×æÅ™èl MöÆý‡™èl¯]l$ çÜ–íÙt…_¯]l ¯ólç³£ýlÅ…ÌZ ¿¶æÑçÙÅ™Œl {Ô>Ñ$MýS Ô¶æMìS¢ ѧéÅ AÐ]lçÜÆ>ËMýS$ A¯]l$VýS$×æ…V> ѧéÅ Ð]lÅÐ]lçܦÌZ Ð]l*Æý‡$µ ¡çÜ$MýS$Æ>Ð]lËíܯ]l BÐ]lÔ¶æÅMýS™èl¯]l$ °Ðól¨MýS ÐðlËÏyìl…_…¨.
{ç³ç³…^èl Ð]l*¯]lÐ]l Ð]lÊË«§ýl¯]l çÜ*`
& Ñ.çÜ$ÖË, BÆŠ‡.Æý‡ÑMýS$Ð]l*ÆŠ‡, Oòßæ§ýlÆ>»ê§Šl.
ç³È„ýSËMýS$ Rêä-Ë™ø çÜ…º…«§ýl… ÌôæMýS$…yé ´ùsîæ Ë„ýS-ÌZϯól E…r$…§ýl-¯ól¨ °çÜÞ…-§ólçßæ…. AƇ¬™ól G…™èl ´ùsîæ E¯]l²ç³µsìæMîS ¿¶æĶæ$ç³yéÍÞ¯]l AÐ]l-çÜÆý‡… Ìôæ§ýl…r$-¯é²Æý‡$ °ç³#-×æ$Ë$. çÜ…¨-VýS®™èl Òyìl, çܯ]l²§ýl®™èl ¨Ô¶æV> ¯]lyýl-Ðé-Ë° çÜ*_-çÜ$¢-¯é²Æý‡$. ç³È„ýS HO§ðl¯é L™éÞ-íßæMýS$Ë$ Ð]l¬…§ýl$V> {í³ç³-Æó‡-çÙ-¯ŒlMýS$ Ð]l*¯]l-íÜ-MýS…V> íܧýl®-Ð]l$-ÐéÍ. J†¢yìl A¯ól Ð]l*rMýS$ ™éÑ-Ð]lÓ-MýS*-yýl§ýl$. ´ùsîæ Ë„ýSÌZÏ E¯é² ´ù‹Üt Ý뫨…-^é-˯ól VýSsìæt çÜ…MýS˵…, ÑfĶæ$… Ý뫨…-^èl-VýS-Ë-Ð]l$¯ól °…Oyðl¯]l B™èlÃ-Ñ-Ô>ÓçÜ… AÐ]l-çÜÆý‡…. A糚yól GÌê…sìæ Br…-M>Ë$ G§ýl$-OÆð‡¯é, Ðésìæ° A«¨-VýS-Ñ$…-^èl-VýS-ËÆý‡$. çÜ…MýS˵ ºË…™ø ÑfĶæ$… ¨Ô¶æV> §ýl*çÜ$-MðS-â¶æÏ-VýS-ËÆý‡$. ● A…§ýl$-»ê-r$ÌZ E¯]l² çÜÐ]l$-Ķæ*°² çܨÓ-°-Äñæ*VýS… ^ólçÜ$-Mø-Ð]lr… {糫§é¯]l…. çÜÐ]l$Ķæ$ ´ë˯]l ÑçÙ-Ķæ$…ÌZ Mö…§ýlÆý‡$ "ÐéÆý‡… B«§é-Ç-™èl' Ñ«§é-¯é°² A¯]l$-çÜ-Ç-Ýë¢Æý‡$. JMýS ÐéÆý‡…ÌZ JMýS çÜ»ñæjMýS$t, Ð]l$Æø ÐéÆý‡… Ð]l$Æø çÜ»ñæj-MýS$t¯]l$ ^èl§ýl$-Ð]l#-™éÆý‡$. C¨ Ñf-Ķæ*-°MìS çÜOÆð‡¯]l {ç³×ê-ãMýS M>§ýl$. õ³ç³Æý‡Ï ÐéÈV> íÜË-º-‹Ü¯]l$ ÑÔóæÏ-íÙ…-^èl$-Mö°, Æøþ A°² çÜ»ñæj-MýS$tË$ ^èl¨-ÐólÌê {ç³×ê-ãMýS Æý‡*´÷…-¨…-^èl$-Mø-ÐéÍ. A糚yól A°² A…Ô>Ë Ð]l$«§ýlÅ çÜÐ]l$-™èl$-ËÅ™èl Ý뫧ýlÅ-Ð]l$-Ð]l#-™èl$…¨. A…™èl-MýS$-Ð]l¬…§ýl$ ^èl¨-ѯ]l A…Ô>-˯]l$ ÇÑ-f¯Œl ^ólõÜ…-§ýl$MýS$ Æøþ Mö…™èl çÜÐ]l$Ķæ$… MóSsê-Ƈ¬…-^éÍ. ● ^èl¨-ѯ]l A…Ô>-˯]l$ VýS$Æý‡$¢…-^èl$-MýS$-¯ól…-§ýl$MýS$ ^èlMýSPsìæ Ð]l*Æý‡Y… ÚëÆŠ‡t ¯øsŒæÞ Æý‡*ç³-MýS-˵¯]l. JMýS A…Ô>°² ^èl§ýl$-Ð]l#-™èl$-¯]l²-糚yýl$ A…§ýl$-ÌZ° Ð]l¬RêÅ…-Ô>-˯]l$ ´ëƇ¬…-r$ÏV>, Ìôæ§é ™èlÐ]l$MýS$ A¯]l$-MýS*-Ë-OÐðl$¯]l ȆÌZ (^é-ÆŠ‡tË$, {V>‹œË$ Ð]l…sìæ-Ñ) ÚëÆŠ‡t-¯øsŒæÞ Æý‡*´÷…-¨…-^èl$-Mø-ÐéÍ. ^èl¨Ñ¯]l A…Ô>-˯]l$ C™èl-Æý‡$-Ë™ø ^èlÇa…-^èlr… MýS*yé Ððl$Ð]l$È ç³Æý‡…V> »êV> Eç³-Äñæ*-VýS-ç³yól Ñ«§é¯]l…. ● Ý÷…™èl ¯øsŒæÞ Æý‡*´÷…-¨…-^èl$-Mø-Ð]lyýl… Ñf-Ķæ$…ÌZ MîSË-MýS-´ë{™èl ´ùíÙçÜ$¢…¨. ¯øsŒæÞ Æý‡*ç³-MýS-˵-¯]lÌZ Ô>ï܈Ķæ$ Ñ«§é-¯é°² A¯]l$-çÜ-Ç…-^éÍ. ^èl¨-ѯ]l {糆 A…Ô>±² ¯øsŒæÞÌZ ´÷…§ýl$-ç³-ÇõÜ¢ çÜÐ]l$Ķæ$… Ð]l–£é AÐ]l#-™èl$…¨. VýS×ê…-M>Ë$, çÜ…Ð]l-™èlÞ-Æ>Ë$, °Ðól-¨-MýS-Ë$-&-íÜ-¸ë-Æý‡$ÞË$ Ð]l…sìæ Ð]l¬RêÅ…-Ô>-˯]l$ Ð]l*{™èlÐól$ Æ>çÜ$-Mø-ÐéÍ. MìSÓMŠS ÇÑ-f-¯ŒlMýS$ Eç³Äñæ*-VýS-ç³-yólÌê ¯øsŒæÞ Æý‡*´÷…-¨…-^èl$-Mø-ÐéÍ. ● AçÜË$ ^èl§ýl$-Ð]l#-™èl$¯]l² A…Ô>ÌZÏ HÑ Ð]l¬QÅ-OÐðl$-¯]l-Ð]l¯ól çÜ…§ólçßæ… MýSË$VýS$-™èl$…-r$…¨. VýS™èl {ç³Ô¶æ²-ç³-{™é-˯]l$ ç³Ç-Ö-Í…-^èlr… Ð]lËÏ H A…Ô>Ë ¯]l$…_ GMýS$P-Ð]lV> {ç³Ô¶æ²Ë$ Ð]lçÜ$¢-¯é²Äñæ* ™ðlË$-çÜ$¢…¨. {ç³Ô¶æ² AyìlVóS Ñ«§é-¯]l…-Oò³¯é AÐ]l-V>-çßæ¯]l HÆý‡µ-yýl$-™èl$…¨. çÜÐ]l$-M>-ί]l {´ë«§é¯]lÅ… E¯]l² A…Ô>Ë$ Ð]l¬QÅ-OÐðl$-¯]lÑ. ïÜ°-Ķæ$ÆŠ‡ ¸ëÅMýSÎt, VýS™èl Ñgôæ-™èlË çÜ*^èl¯]lË Ðól$Æý‡MýS$ {´ëÐ]l*-×ìæMýS Ððl$sîæ-Ç-Ķæ$-ÌŒæ¯]l$ G…í³MýS ^ólçÜ$-Mø-ÐéÍ. ● {糆 A…Ô>±² BÝëÓ-¨çÜ*¢ ^èl§ýl-ÐéÍ. ^èl§ýl-Ð]l-sê°², çÜ»ñæjMýS$t A«§ýlÅ-Ķæ$¯é°² à½V> Ð]l*Æý‡$a-Mø-ÐéÍ. JMýS A…Ô>°² ^èl§ýl$-Ð]l#-™èl$…sôæ §é°MìS çÜ…º…-«¨…-_¯]l Ð]l$Æø Mö™èl¢ A…Ô>°² ™ðlË$-çÜ$-Mø-Ðé-˯ól hgêqçÜ E…yéÍ. A糚yól ^èl¨Ñ¯]l A…Ô>Ë$ »êV> VýS$Æý‡$¢…sêƇ¬.
ÇfÆŠæÓ »êÅ…MŠæ ÐéÇÛMýS °Ðól¨MýS 2015&16ÌZ 6,32,000 ¯]lMìSÎ MýSÆð‡±Þ ¯ørϯ]l$ VýS$Ç¢…^èlV>, 2016&17ÌZ Òsìæ çÜ…QÅ 7,62,072MýS$ ò³ÇW…§ýl° ÇfÆý‡$Ó »êÅ…MŠæ ÐéÇÛMýS °Ðól¨MýS 2016&17 õ³ÆöP…¨. 2015&16™ø ´ùÍa™ól 2016&17ÌZ Òsìæ çÜ…QÅÌZ ò³Æý‡$VýS$§ýlË 20.4 Ô>™èl…V> E…¨. ➤ 2016, ¯]lÐ]l…ºÆŠæ 4 ¯ésìæMìS Æý‡*.17.97 Ë„ýSË MørÏ ÑË$OÐðl¯]l MýSÆð‡±Þ ^èlÌêÐ]l$×ìæÌZ E…yýlV>, 2016, ¯]lÐ]l…ºÆŠæ 8¯]l Æý‡*.15.45 Ë„ýSË MørÏ ÑË$OÐðl¯]l MýSÆð‡±Þ ¯ørϯ]l$ (ò³§ýlª ¯ør$Ï) {糿¶æ$™èlÓ… Eç³çÜ…çßæÇ…^èl$MýS$…¨. Eç³çÜ…çßæÇ…^èl$MýS$¯]l² Ððl¬™èl¢…ÌZ 2017, þ¯Œæ 30 ¯ésìæMìS Æý‡*.15.28 Ë„ýSË MørÏ ÑË$OÐðl¯]l MýSÆð‡±Þ° (Eç³çÜ…çßæÇ…_¯]l Ððl¬™èl¢…ÌZ 99 Ô>™é°²) †ÇW ´÷…¨¯]lr$Ï °Ðól¨MýS õ³ÆöP…¨. ➤ 2017, þ¯Œæ 30 ¯ésìæMìS ÇfÆŠæÓ »êÅ…MŠæ »êÅÌñ毌æÞïÙsŒæÌZ ò³Æý‡$VýS$§ýlË (2016&17) 1.88 Ô>™èl…V> ¯]lÐðl*O§ðl…¨. ÇfÆý‡$Ó »êÅ…MŠæ B§éĶæ$…ÌZ ™èlVýS$Y§ýlË 23.56 Ô>™èl… M>V>, Ð]lÅĶæ$…ÌZ ò³Æý‡$VýS$§ýlË 107.84 Ô>™èl…. 2016&17ÌZ ÇfÆý‡$Ó »êÅ…MŠæ Ñ$VýS$Ë$¯]l$ Æý‡*.30,659 Mør$ÏV> °Ðól¨MýS õ³ÆöP…¨. »êÅÌñ毌æÞïÙsŒæÌZ BçÜ$¢Ë OÐðlç³# ò³Æý‡$VýS$§ýlË.. ѧólÖ ò³r$tºyýl$Ë$, çÜÓ§ólÖ ò³r$tºyýl$ÌZÏ ò³Æý‡$VýS$§ýlËMýS$ M>Æý‡×æOÐðl$…¨. 2016&17ÌZ ѧólÖ ò³r$tºyýl$ÌZÏ ò³Æý‡$VýS$§ýlË 2.7 Ô>™èl… M>V>, çÜÓ§ólÖ ò³r$tºyýl$ÌZÏ ò³Æý‡$VýS$§ýlË 7.45 Ô>™èl…V> ¯]lÐðl*O§ðl…¨. »êÅÌñ毌æÞïÙsŒæÌZ Æý‡$×êË ò³Æý‡$VýS$§ýlËMýS$ yìl´ëhsŒæËÌZ ò³Æý‡$VýS$§ýlË 76.96 Ô>™èl…V> E…yýlr… M>Æý‡×æOÐðl$…¨. 2015&16ÌZ MýSÆð‡±Þ¯ørÏ Ð]l¬{§ýl×æMýS$ Æý‡*.3,420 Mør$Ï Ð]lÅĶæ$… M>V>, ➤
´ùsîæ ç³È„ýSË {ç³™ólÅMýS…
GM>¯]lÒ$ ¯ólç³£ýlÅ…ÌZ¯]l* Ë…yýl¯Œl D çÜ*`ÌZ Ððl¬§ýlsìæ Ý릯]l… ´÷…¨…¨. AÐ]lÝë¦ç³¯é ÝûMýSÆ>ÅË$, A«¨MýS ¯é×æÅ™èl™ø MýS*yìl¯]l íܺ¾…¨ A…§ýl$»êr$ A¯ól MöËÐ]l*¯éË B«§éÆý‡…V> D çÜ*`° Æý‡*´÷…¨…^éÆý‡$. D çÜ*`ÌZ Ë…yýl¯Œl MýS¯é² ¯]l*ÅĶæ*ÆŠ‡P 24 ´ëƇ¬…r$Ï Ððl¯]lMýSºyìl…¨. 2007 ™èl§ýl$ç³Ç M>Ë…ÌZ D Æð‡…yýl$ ¯]lVýSÆ>Ë Ð]l$«§ýlÅ ™ólyé A«¨MýS…V> E…yýlr… C§ól {ç³£ýlÐ]l$…. {¸ë…MŠSçœÆŠ‡t 11Ð]l Ý릯鰲, yýl¼Ï¯lŒ 30Ð]l Ý릯鰲 ´÷…§éƇ¬.
¿êÆý‡™èl sñæÍMýS… ç³Ç{Ô¶æÐ]l$ {ç³VýS† ➤
¿êÆý‡™ŒlÌZ C…rÆð‡²sŒæ Ñ°Äñæ*VýS§éÆý‡$Ë çÜ…QÅ 400 Ñ$ÍĶæ$¯]lϯ]l$ §ésìæ…¨. 2016&17ÌZ sñæÍMýS… ç³Ç{Ô¶æÐ]l$ 5.6 ¼ÍĶæ$¯Œl yéËÆý‡Ï ѧólÖ {ç³™èlÅ„ýS ò³r$tºyýl$˯]l$ BMýSÇÛ…_…¨. VýS™èl I§ólâ¶æÏÌZ {V>Ò$×æ sñæÎ Ýë…{§ýl™èl 30 Ô>™èl… ò³ÇW…¨. Ððl¬™èl¢… yólsê Ñ°Äñæ*VýS…ÌZ 3i, 4iË Ðésê 75 Ô>™é°MìS Oò³V> E…¨. {ç³™èlÅ„ýS…V>, ç³Æø„ýS…V> sñæÍMýS… ç³Ç{Ô¶æÐ]l$ 40 Ë„ýSË Ð]l$…¨MìS E´ë«¨ MýS͵…_…¨. 2015 òÜò³t…ºÆŠ‡ ™èlÆ>Ó™èl M>Ë…ÌZ §ólÔ¶æ…ÌZ 38 ¯]l*™èl¯]l Ððl¬O»ñæÌŒæ ™èlĶæ*È Ä¶æÊ°r$Ï HÆ>µrĶæ*ÅƇ¬. Cç³µsìæ Ð]lÆý‡MýS$ sñæÍMýS…
õÜÐ]lËMýS$ ¯ø^èl$Mø° 54000 {V>Ð]l*ËMýS$ Ðésìæ° ÑçܢDž^éË° {糿¶æ$™èlÓ… °Æý‡~Ƈ¬…_…¨. ¿êÆý‡™èl sñæÍMýS… Æý‡…VýS…ÌZ {ç³çÜ$¢™lè … E¯]l² 7.6 Ô>™èl… Ð]l–¨® Æó‡r$¯]l$ 10 Ô>™é°MìS ò³…^éË° ¯]l*™èl¯]l sñæÍMýS… Ñ«§é¯]l… Ë„ýSÅ…V> °Æó‡ªÕ…^èl$MýS$…¨. 2015 þOÌñæÌZ ¿êÆý‡™èl {糿¶æ$™èlÓ… yìlhrÌŒæ C…yìlĶæ* M>Æý‡Å{MýSÐ]l*°² {´ëÆý‡…À…_…¨. 2018 ¯ésìæMìS 2.5 Ë„ýSË {V>Ð]l$ç³…^éƇ¬¡Ë¯]l$ OòßæïܵyŠl Bí³tMýSÌŒæ OòœºÆŠ‡ MóSº$ÌŒæ §éÓÆ> A¯]l$çÜ…«§é°…^é˯ól Ë„ýSÅ…™ø ¿êÆý‡™Œl ¯ðlsŒæ (yìlhrÌŒæ C…yìlĶæ*ÌZ ¿êVýS…V>) {´ëgñæMýS$t¯]l$ {´ëÆý‡…À…^éÆý‡$. D M>Æý‡Å{MýSÐ]l*°² §ýlÔ¶æË ÐéÈV> AÐ]l$Ë$^ólçÜ$¢¯é²Æý‡$. Ððl¬§ýlsìæ §ýlÔ¶æÌZ ¿êVýS…V> 2017 þOÌñæ ¯ésìæMìS Ë„ýS {V>Ð]l$ç³…^éƇ¬¡Ë¯]l$ A¯]l$ççÜ…«§é°…^éÆý‡$. MóSÆý‡â¶æ, MýSÆ>²rMýS, bèl¡¢‹ÜVýSÉŠl, çßæÇĶæ*×ê, E™èl¢Æý‡{糧ólÔŒæ, Ð]l$«§ýlÅ{糧ólÔŒæËÌZ Ë„>Å°² §é§éç³# 100 Ô>™èl… Ý뫨…^éÆý‡$. ➤ ¿êÆý‡™èl sñæÍMýS… ç³Ç{Ô¶æÐ]l$ "ÐéƇ¬‹Ü&òÜ…{sìæMŠS' Ð]l*Æð‡PsŒ ¯]l$…_ "yólsê&òÜ…{sìæMŠS' Ð]l*Æð‡PsŒæV> Æý‡´ë…™èlÆý‡… ^ðl…¨…¨. {ç³ç³…^èl…ÌZ C…rÆð‡²sŒæ Ñ°Äñæ*VýS§éÆý‡$Ë çÜ…QÅMýS$ çÜ…º…«¨…_ ¿êÆý‡™Œl Æð‡…yø Ý릯]l…ÌZ E…¨. §ólÔ¶æ…ÌZ (2016ÌZ) Ððl¬O»ñæÌŒæ yólsê {sêíœMŠSÌZ Ð]l–¨® 76 Ô>™èl…V> ¯]lÐðl*O§ðl…¨. ç³rt×æ {´ë…™éÌZÏ ÝëÃÆŠ‡t¸ù¯]lÏ Ñ°Äñæ*VýS… ò³ÇW…¨. 2015ÌZ çÜVýSr$¯]l ÝëÃÆŠæt¸ù¯Œæ ¯ðlËMýS$ 430 Ððl$V>O»ñærÏ Ððl¬O»ñæÌŒæ
C¨ 2016&17ÌZ Æý‡*.7,965 MørÏMýS$ ò³ÇW…¨.
¿êÆý‡™ŒæÌZ ѧýl$Å™Œæ Æý‡…VýS… §ólÔ>Ë BÇ®MýS Ð]l–¨®, {ÔóæĶæ$çÜ$ÞMýS$ çÜ…º…«¨…_ ѧýl$Å™Œæ Ð]l¬QÅOÐðl$¯]l AÐ]lÝë¦ç³¯é ÝûMýSÆý‡Å…. Æð‡¯]l$ź̌æ G¯]lÈj A{sêMìStÐŒl C…yðlMŠSÞÌZ Ððl¬™èl¢… 40 §ólÔ>ÌZÏ ¿êÆý‡™Œæ Ð]lÊyø Ý릯]l… ´÷…¨…¨. 2017ÌZ {ç³ç³…^èl »êÅ…MýS$ ѧýl$Å™Œæ Ë¿¶æÅ™èl gê¼™éÌZ ¿êÆý‡™Œæ 26Ð]l Ý릯]l… ´÷…¨…¨. 2017, Ðól$ ¯ésìæMìS ¿êÆý‡™ŒæÌZ° A°² ѧýl$Å™Œæ MóS…{§éË AÐ]lÝë¦í³™èl ÝëÐ]l$Æý‡¦Å… 330, 260.53 Ððl$V>Ðér$Ï. 2017&18 BǦMýS çÜ…Ð]l™èlÞÆý‡…ÌZ 1229.4 ¼ÍĶæ$¯Œæ ĶæÊ°rÏ Ñ§ýl$Å™Œæ E™éµ§ýl¯]l¯]l$ ѧýl$Å™Œæ Ð]l$…{†™èlÓ Ô>Q Ë„ýSÅ…V> °Æó‡ªÕ…^èl$MýS$…¨. 2016&17™ø ´ùÍa™ól D Ë„ýSÅ…ÌZ ò³Æý‡$VýS$§ýlË 50 ¼ÍĶæ$¯Œæ ĶæÊ°r$Ï. ç³#¯]lÆý‡$™éµ§ýlMýS ѧýl$Å™Œl E™éµ§ýlMýS™èlÌZ Ýë…Ð]l™èlÞÇMýS Ð]l–¨® 27 Ô>™èl…V>, çÜ…{糧éĶæ$ ѧýl$Å™Œl E™éµ§ýlMýS™èlÌZ Ð]l–¨® 18 Ô>™èl…V> ¯]lÐðl*O§ðl…¨. ➤ 2000 H{í³ÌŒæ, 2017 Ð]l*Ça Ð]l$«§ýlÅM>Ë…ÌZ ¿êÆý‡™èl ѧýl$Å™Œæ Æý‡…VýS… 11.59 ¼ÍĶæ$¯Œæ yéËÆý‡Ï Ðól$Æý‡ ѧólÖ {ç³™èlÅ„ýS ò³r$tºyýl$˯]l$ BMýSÇÛ…_…¨. Ð]l^óla I§ýl$ ¯]l$…_ 糧ólâ¶æÏÌZ ¿êÆý‡™ŒæÌZ° gê¡Ä¶æ$, A…™èlÆ>j¡Ä¶æ$ MýS…ò³±Ë$ 266 WV>ÐérÏ ÝûÆý‡, ç³Ð]l¯]l, Ñ$±& OòßæyðlÌŒæ, ºÄñæ*Ð]l*‹Ü B«§éÇ™èl ѧýl$Å™Œæ E™éµ§ýlMýS™èl¯]l$ Ý뫨…^èlVýSËÐ]l° A…^èl¯é. ©°MøçÜ… 310 ¯]l$…_ 350 ¼ÍĶæ$¯Œæ yéËÆý‡Ï Ðól$Æý‡ ò³r$tºyýl$Ë$ AÐ]lçÜÆý‡Ð]l$Ð]l#™éƇ¬. ➤ §ólÔ¶æ…ÌZ° {ç³fË…§ýlÇMîS 2019 Ð]l*Ça ¯ésìæMìS çÜÇç³yìl¯]l…™èl ѧýl$Å™Œæ¯]l$ A…¨…^é˯ól Ë„ýSÅ… ™ø ¿êÆý‡™èl {糿¶æ$™èlÓ… "A…§ýlÇMîS ѧýl$Å™Œæ' M>Æý‡Å{MýSÐ]l$… {´ëÆý‡…À…_…¨. 2015&16ÌZ Ððl¬™èl¢… ѧýl$Å™Œæ Ñ°Äñæ*VýS…ÌZ °ÐéçÜ Ñ°Äñæ*VýS… 22.97 Ô>™èl…V>, ´ëÇ{Ô>Ñ$MýS Ñ°Äñæ*VýS… 44.20 Ô>™èl…V>, Ð]lÅÐ]lÝëĶæ$ Ñ°Äñæ*VýS… 18.17 Ô>™èl…V>, Ðé×ìæfÅ Ñ°Äñæ*VýS… 8.05 Ô>™èl…V> ¯]lÐðl*§ýlĶæ*ÅƇ¬. ➤
yé‘‘ ™èlÐ]l*à MøsìæÆð‡yìlz {´÷òœçÜÆŠ‡, I½G‹Ü, Oòßæ§ýlÆ>»ê§Šl.
INSURANCE SECTOR IN INDIA
Insurance business is an economic activity which takes care of any future uncertainties/risk in our daily routine, relating to our life (life insurance) and also non life events like trade, travel, house safety, fire & theft, loss in business etc., (general insurance). People pay prescribed money as premium to protect themselves from the future uncertainties/risk. ✮ With the establishment of Oriental Life Insurance Company in 1818, Calcutta, the insurance history started in India though the concept was found in historical Indian writings. ■ LIC (Life Insurance Corporation) ✮ With an ordinance on 19th January, 1956 our government nationalised Life Insurance business and LIC came into existence. It absorbed 245 Indian and Foreign Insurers. ■ GIC (General Insurance Corporation) ✮ In 1972, the General Insurance business (non Life Insurance sector like Health, Motor, Home insurance etc.,) was nationalised and from 1st January, 1973 onwards, 4 Indian companies came into existence under GIC after amalgamating 107 insurers in this field. The names of the 4 companies are... 1. National Insurance Company Limited. 2. New India Assurance Company Limited. 3. Oriental Insurance Company ✮
Limited. 4. United India Insurance Company Limited. ✮ In 2000, GIC was transformed as National Reinsurer (Reinsurance is insurance that is purchased by an insurance company). ✮ In 2002, the above 4 companies were made independent and delinked from GIC. ■ IRDAI (Insurance Regulatory Development Authority of India) ✮ The next landmark happened on 19th April 2000, when the Insurance Regulatory and Development Authority Act, 1999 (IRDAA) came into force and IRDA (Insurance Regulatory and Development Authority) was set up as per the recommendations of Malhotra Committee. The IRDA opened up the market in August, 2000 and foreign companies were allowed with 26% ownership. The Authority has the power to frame regulations under section 114 A of the Insurance Act of 1938 and from year 2000 onwards framed many regulations ranging from registration of Insurance companies to protection of policyholder’s interests. IRDA has recently been renamed as IRDAI (Insurance Regulatory Development Authority of India). ■ AGRICULTURE INSURANCE COMPANY OF INDIA LIMITED (AIC) ✮ AIC was incorporated under
✮
Competitive Guidance Bank, Insurance Exams Special
IRDA (Insurance Regulatory and Development Authority) was set up as per the recommendations of Malhotra Committee.
✮
✮
the Indian Companies Act 1956 on 20th December, 2002 with an authorised share capital of 15 billion rupees and paid up capital of 2 billion rupees. AIC commenced business from 1st April, 2003. From Rabi 1999 season, the CCIS (Comprehensive Crop Insurance Scheme) was discontinued and replaced by the National Agriculture Insurance Scheme (NAIS), which is being implemented to date as the flagship yield based crop insurance program of the Government. Parallelly, the implementation and administration of crop insurance schemes, which were being done by General Insurance Corporation of India
✮
■ ✮
(GIC), was taken over by Agriculture Insurance Company of India Ltd. (AIC) since its commencement of business from 1st April 2003. Professor V.M.Dandekar, often referred to as the “Father of Crop Insurance in India”. ECGC ECGC Ltd. (Formerly Export Credit Guarantee Corporation of India Ltd.), wholly owned by Government of India, was set up in 1957 with the objective of promoting exports from the country by providing Credit Risk Insurance and related services for exports. It functions under the administrative control of Ministry of Commerce & Industry, and is managed by a
■ ✮
✮
✮
Board of Directors comprising representatives of the Government, Reserve Bank of India, Banking, and Insurance and Exporting community. Over the years it has designed different export credit risk insurance products to suit the requirements of Indian exporters and commercial banks extending export credit. ECGC is essentially an export promotion organization, seeking to improve the competitiveness of the Indian exporters by providing them with credit insurance covers. DICGC (The Deposit Insurance and Credit Guarantee Corporation) The functions of the DICGC are governed by the provisions of 'The Deposit Insurance and Credit Guarantee Corporation Act, 1961' (DICGC Act) and 'The Deposit Insurance and Credit Guarantee Corporation General Regulations, 1961' framed by the Reserve Bank of India. The preamble of the DICGC Act, 1961 states that it is an Act to provide for the establishment of a Corporation for the purpose of insurance of deposits and guaranteeing of credit facilities and for other matters connected therewith or incidental thereto.
¼.}°ÐéçÜÆ>Ð]l#, ÌñæMýSaÆý‡ÆŠ‡ (GMýS¯éÑ$MŠSÞ), í³.BÆŠ‡.VýSÐ]lÆý‡²Ððl$…sŒæ yìl{X M>Ìôæi, M>MìS¯éyýl.