of 67
8/11/2019 Accdintal Insurance Ok
1/67
THE NEW INDIA ASSURANCE COM.LTD
INDEX
S. No. TOPIC
1. EXECUTIVE SUMMARY
2. INTRODUCTION
3. COMPANY PROFILE
4. PRODUCT PROFILE
5. OBJECTIVE OF THE COM.
6. SCOPE OF STUDY
. RESEARCH METHODOLO!Y
". INFORMATION # ANALYSIS
$. FINDIN!S # CONCLUSION
1%. LIMITATIONS
11. BIBLIO!RAPHY
12. ANNEXURES
8/11/2019 Accdintal Insurance Ok
2/67
THE NEW INDIA ASSURANCE COM.LTD
E&'()*+,' S)-- /0
O/ + *+o THE NEW INDIA ASSURANCE COMPANY, UDAIPUR.
R' o/*+ o +('/ Mr. ANIL CHOUHAN, MANAGER OF THE NEWINDIA ASSURANCE COMPANY, Udaipur .
F ()7*0 !)+8' - PROF. ANIL HATT
S*)8' * N -' - SANDEEP !AISHNA!
O9:'(*+,' - T" #$ud% "& D'ri(a$i(' R'#'ar)* "+ CUSTOMER VIEW FOR MARKET POTENTIAL IN INVESTMENT
S(o '
. Sa p ' &"r $*' r'#'ar)* pr"/')$ 0'r' i+('#$"r i+ Udaipur a+d Na$*d0ara.1. Ti ' p'ri"d 2 13-45-1446 $" 4-46-1446
8/11/2019 Accdintal Insurance Ok
3/67
THE NEW INDIA ASSURANCE COM.LTD
RESEARCH METHODOLO!Y
M'a+i+7 O& R'#'ar)* M'$*"d" "7%-
. R'#'ar)* d'#i7+ u#'d 0a# d'#)rip$i('.
1. Da$a 0a# )" ')$'d 8% u#i+7 i+$'r(i'0 $')*+i9u' u#i+7 9u'#$i"++air' a# a $"" .
:. Sa p ' #i;' 0a# 44.
8/11/2019 Accdintal Insurance Ok
4/67
THE NEW INDIA ASSURANCE COM.LTD
ASSURANCE
I */o8)(*+o LO
A##ura+)' i+du#$r% *a# a 0a%# 8''+ a 7r"0$*-"ri'+$'d i+du#$r% 7 "8a %. O+ $*'I+dia+ #)'+' $"", $*' a##ura+)' i+du#$r% *a# a 0a%# r')"rd'd +"$i)'a8 ' 7r"0$* (i#-?-(i#"$*'r I+dia+ i+du#$ri'#.
T*' +'0 I+dia a##ura+)' C". L$d. 0a# $*' &ir#$ 7'+'ra a##ura+)' )" pa+% $" 8''#$a8 i#*'d i+ I+dia i+ 634, 0*i)* 0a# a 0*" % ri$i#*-"0+'d )" pa+%. T*' +'0 I+diaa##ura+)' )" pa+% $" 8' #'$ up 8% a+ I+dia+ 0a# I+dia+ M'r)a+$i ' a##ura+)' C". L$d.,
0*i)* 0a# '#$a8 i#*'d i+ @4 . T*'r' ' 'r7'd a+% a a##ura+)' p a%'r "+ $*' I+dia+#)'+' $*'r'a&$'r.T*' 7'+'ra a##ura+)' 8u#i+'## 0a# +a$i"+a i;'d a&$'r $*' pr" u 7a$i"+ "& G'+'ra
I+#ura+)' u#i+'## BNa$i"+a i;a$i"+ A)$, @ 1. T*' p"#$-+a$i"+a i;a$i"+ 7'+'raa##ura+)' 8u#i+'## 0a# u+d'r$a='+ 8% $*' a##ura+)' C"rp"ra$i"+ "& I+dia BGIC a+d i$# :#u8#idiari'#
1. N'< I 8+ A;;)/ (' Co- 0 L+-+*'8
2. N *+o 7 I ;)/ (' Co- 0 L+-+*'8
3. U +*'8 I 8+ I ;)/ (' Co- 0 L+-+*'8 T"0ard# $*' '+d "& 1444, $*' r' a$i"+ )'a#'d $" '>i#$ a+d $*' &"ur )" pa+i'# ar', a$
pr'#'+$, "p'ra$i+7 a# i+d'p'+d'+$ )" pa+i'#.T*' Li&' a##ura+)' C"rp"ra$i"+ BAIC 0a# '#$a8 i#*'d "+ 4 .4@. @35 a+d *ad 8''+ $*'#" ' )"rp"ra$i"+ $" 0ri$' $*' i&' a##ura+)' 8u#i+'## i+ I+dia.
T*' I+dia+ a##ura+)' i+du#$r% #a0 a +'0 #u+ 0*'+ $*' a##ura+)' D'(' "p '+$Au$*"ri$% i+(i$'d $*' app i)a$i"+# &"r r'7i#$ra$i"+ a# a##ur"r# i+ Au7u#$, 1444. Wi$* $*'i8'ra i;a$i"+ a+d "p'+i+7 up "& $*' #')$"r $" pri(a$' p a%'r#, $*' i+du#$r% *a# pr'#'+$'d
pr" i#i+7 pr"#p')$# &"r $*' )" i+7 &u$ur'. T*' $ra+#i$i"+ *a# a #" r'#u $'d i+$"i+$r"du)$i"+ "& a p ' "pp"r$u+i$i'# &"r $*' pr"&'##i"+a # i+) udi+7 C*ar$'r'dA))"u+$a+$#.
8/11/2019 Accdintal Insurance Ok
5/67
THE NEW INDIA ASSURANCE COM.LTD
T*' I+dia+ a##ura+)' i+du#$r% i# &'a$ur'd 8% $*' a$$ri8u$'#L"0 ar='$ p'+'$ra$i"+
E('r-7r"0i+7 idd ' ) a## )" p"+'+$ i+ p"pu a$i"+.Gr"0$* "& )"+#u 'r M"(' '+$ 0i$* a+ i+)r'a#i+7 d' a+d &"r 8'$$'r a##ura+)' pr"du)$#
I+ad'9ua$' app i)a$i"+ "& i+&"r a$i"+ $')*+" "7% &"r 8u#i+'##.Ad'9ua$'
Fi ip &r" $*' G"('r+ '+$ i+ $*' &"r "& $a> i+)'+$i('# $" $*' a##ur'd, '$).
T*' i+du#$r% &"r a$i"+# +''d $" =''p (i7i "+ $*'#' )*ara)$'ri#$i)# "& $*' I+dia+
ar='$ a+d &"r u a$' $*'ir #$ra$'7i'# $" '+$ai a>i u )"+$ri8u$i"+ $" $*' "u$pu$ "&
$*' #')$"r.
T*' I+dia+ i&' a+d +"+- i&' a##ura+)' 8u#i+'## a))"u+$'d &"r 'r' % 4.i#$i+7 "0-%i' d I+dia+ ar='$
)"+di$i"+#.
T*' $'r a##ura+)' P'+'$ra$i"+ 8r"ad % 'a#ur'# $*' )"+$ri8u$i"+ "& $*'
a##ura+)' i+du#$r% i+ r' a$i"+ $" a +a$i"+ # '+$ir' ')"+" i) pr"du)$i(i$%. T*' &i7ur' "&
pr' iu (i#-?-(i# $*' GDP "& @@@ #$""d a$ 4.3< p'r)'+$ &"r +"+- i&' a##ura+)'
8u#i+'## a+d .:@ p'r)'+$ &"r $*' i&' a##ura+)' 8u#i+'##. T*' $'r a##ura+)'
D'+#i$% r'& ')$# $*' a##ura+)' pur)*a#i+7 p"0'r. T*' pr' iu p'r )api$a i+ I+dia
a "u+$'d $" US 1.
8/11/2019 Accdintal Insurance Ok
6/67
THE NEW INDIA ASSURANCE COM.LTD
W CHAR STRUCTURE OF THE ASSURANCE INDUSTRY
T*' #$ru)$ur' "& $*' a##ura+)' i+du#$r% )" pri#'# "& $*' Op'ra$i+7 d'par$ '+$,
Ad i+i#$ra$i(' d'par$ '+$ a+d $*' &i+a+)' d'par$ '+$. T*' Op'ra$i+7 D'par$ '+$
7'+'ra % p'r&"r # $*' 8a#i) &u+)$i"+# p'r$ai+i+7 $" $*' d'#i7+i+7 "& pr"du)$#, ar='$i+7
$*'r'"&, #'r(i)i+7 $*' i+#ur'd, $*' i+#ur'd, a+a7' '+$ "& p"r$&" i", '$).
T*' Ad i+i#$ra$i(' D'par$ '+$ ""=# a&$'r $*' da%-$"-da% a&&air# "& $*' )" pa+%.
T*' Fi+a+)' D'par$ '+$ 8a)=# $*' "p'ra$i"+# a+d ad i+i#$ra$i"+ "& $*' )" pa+% 8%
a))"u+$i+7 &"r $*' $ra+#a)$i"+#, #$r'a i+i+7 $*' & "0 "& &u+d#, a$'ria i;i+7 $*'
a+a7' '+$ d')i#i"+#, '$).
T*' Ad i+i#$ra$i"+ D'par$ '+$ a# 0' a# $*' Fi+a+)' D'par$ '+$, u#ua %,
&u+)$i"+# $*r"u7* i+-*"u#' #'$up. T*' Fi+a+)' D'par$ '+$ &u+)$i"+# i+ $*' ar'a# "&
a))"u+$i+7, &i+a+)ia a+d a+a7' '+$ r'p"r$i+7, 8ud7'$i+7 a+d )"+$r" i+7, '$). a+d $*u#
r'+d'r# '+"r "u# #)"p' &"r &i+a+)' pr"&'##i"+a #. T*' +'0 '+$ra+$# i+ $*' a##ura+)'
#')$"r ar' i=' % $" )a &"r $*' #'r(i)'# "& $*' C*ar$'r'd A))"u+$a+$# &"r $*'ir &i+a+)ia
#'$up r'9uir' '+$#. T*' C*ar$'r'd A))"u+$a+$# *a(' '+7a7'd $*' #' ('# i+ $*' audi$ "&
a##ura+)' C" pa+i'# #i+)' "+7. Wi$* $*' $ra+#i$i"+ i+ $*' i+#ura+)' #')$"r, $*' *"ri;"+#
&"r $*'ir )"+$ri8u$i"+ *a(' 8r"ad'+'d.
T*'r' *a#, ' 'r7'd a =i+7-#i;' p"" "& "pp"r$u+i$i'# $*a$ $*' C*ar$'r'd
A))"u+$a+$# )a+ '>p "r' a+d app % $*'ir pr"&'##i"+a 0i#d" a+d '>p'ri'+)' $".
8/11/2019 Accdintal Insurance Ok
7/67
THE NEW INDIA ASSURANCE COM.LTD
BASIC FUNCTIONS OF THE ASSURANCE INDUSTRY
1. Ri#= P'r)'p$i"+ a+d E(a ua$i"+
T*' &u+da '+$a &u+)$i"+ "& a+ i+#ur'r i# $" pr"(id' a )"('r a7ai+#$ $*' d'$ri '+$)au#'d $" $*' i+#ur'd du' $" $*' *app'+i+7 "& )'r$ai+ #p')i&i'd a+d a7r''d '('+$#. T*u#,
pri"r $" pr"(idi+7 #u)* u 8r' a $*r"u7* a pr"du)$, $*' i+#ur'r *a# $" a##'## $*' ri#=i+(" ('d i+ $*' $ra+#a)$i"+. T*' i+#ur'r *a# $" id'+$i&% $*' ' ' '+$ "& ri#= pr'(a '+$ i+ $*')"+)'r+'d i+du#$r% "r a par$i)u ar u+i$. T*' p'r)'p$i"+ "& ri#= r'9uir'# $*' #$ud% "&(aria8 '# $*r"u7* (ari"u# '$*"d# i+) udi+7 $*' app i)a$i"+ "& #)i'+$i&i) a+d #$a$i#$i)a$')*+i9u'# a+d )"rr' a$i"+ $*'r'"& 0i$* $*' i+du#$r% "r u+i$ u+d'r #$ud% i+ i7*$ "& $*'ir
8a#i) '+(ir"+ '+$a a+d i+&ra-#$ru)$ura )*ara)$'ri#$i)#.
2. D'#i7+i+7 $*' I+#ura+)' Pr"du)$O+ $*' 8a#i# "& $*' ri#=# p'r)'i('d, $*' i+#ur'r d'(' "p# a pr"du)$ $" )"('r $*'
#$ipu a$'d ri#=#. W*i ' d'#i7+i+7 a+ i+#ura+)' pr"du)$, a+ i+#ur'r d')id'# i$# )"#$ $" 8')*ar7'd &r" $*' i+#ur'd i+ $*' &"r "& pr' iu , r'du)$i"+ $*'r'"& i+ )'r$ai+ )a#'# i='+"$ "d7i+7 a+% ) ai duri+7 $*' pr'(i"u# )"('r'd p'ri"dB# , #u77'#$i+7 $*'i p ' '+$a$i"+ "& ri#=- i$i7a$i+7 'a#ur'#, '$).
3. Mar='$i+7 "& $*' Pr"du)$
T*' )"r' &u+)$i"+ "& $*' ar='$i+7 &"r)' "& a+ i+#ura+)' )" pa+% i# $" 7'+'ra$'a0ar'+'## a8"u$ $*' i+#ura+)' pr"du)$# a "+7 $*' $ar7'$ ar='$. u$ i+ $*' I+dia+#)'+ari", 0*'r' $*' i+#ura+)' p'+'$ra$i"+ i# $"" "0 a# )" par'd $" $*' "$*'r +a$i"+#, $*'ar='$i+7 &"r)' +''d# $" p'r&"r $*' pr"-a)$i(' r" ' i+ d'(' "pi+7 a+ i+#ura+)' )u $ur'.I$ i# $*r"u7* $*' '&&i)i'+)% "& $*' #a '# &"r)' "& a+ i+#ura+)' )" pa+% $*a$ $*' d'#ira8i i$%a+d $*' #u))'## "& a pr"du)$ ar' d'$'r i+'d.
Ad'9ua$' =+"0 'd7' "& $*' i+#ura+)' i+du#$r%, pr"du)$# a+d $*' "da i$i'#a$$a)*'d $*'r'0i$*. Fur$*'r, $*' ar='$i+7 p'r#"++' #*"u d 8' ad'9ua$' % 8a)='d 8% $*'
8a)=-"&&i)' #'$up.
8/11/2019 Accdintal Insurance Ok
8/67
THE NEW INDIA ASSURANCE COM.LTD
4. S' i+7 "& $*' Pr"du)$#
T*' $'r #' i+7 i+ $*' )"+$'>$ "& A##ura+)' i+du#$r% )"++"$'# $*' i##ua+)' "&
p" i)i'# $" $*' app i)a+$ pr"p"#'r. T*' A##ura+)' 8a#i)a % ' 8"di'# $*' )"('+a+$
8'$0''+ $*' i+#ur'r a+d $*' i+#ur'd 0*'r'i+ $*' &"r 'r a7r''# $" i+d' +i&% $*' a$$'r &"r
$*' "## )au#'d $" *i "+ $*' *app'+i+7 "& $*' )'r$ai+ a7r''d '('+$# up $" a #p')i&i'd
i i$. T*' i&' i+#ura+)' p" i)% 7'+'ra % )"+$ai+# $*' a7r'' '+$ 0*'r'8% $*' i+#ur'r
a7r''# $" pa% $" $*' i+#ur'd "r $*' 8'+'&i)iar% "& $*' p" i)% a+ a7r''d a "u+$ "+ $*'
'>pir% "& $*' $'r "& $*' p" i)% "r i+ $*' '('+$ "& $*' d'a$* "& $*' i+#ur'd r'#p')$i(' %.
T*' addi$i"+a 8'+'&i$# i+ $*' #*ap' "& Rid'r# (i;. A))id'+$a D'a$* '+'&i$, D"u8 ' Su
A##ur'd, Cri$i)a I +'## 8'+'&i$# Wai('r "& Pr' iu #, '$). )a+ a #" 8' app'+d'd 0i$* $*'
p" i)% "+ $*' pa% '+$ "& a+ addi$i"+a pr' iu .
5. Ma+a7' '+$ "& P"r$&" i"
T*' a+a7' '+$ "& $*' p"r$&" i" i+) ud'# $*' a##'## '+$ "& r'9uir' '+$ "& &u+d#,
id'+$i&i)a$i"+ "& (ari"u# #"ur)'# "& &i+a+)', $*' '(a ua$i"+ "& $*' #"ur)'# i+ $*' i7*$ "&
$*'ir )"#$, a(ai a8i i$%, $i i+7, '$)., r')"+)i i+7 $*' &'a$ur'# "& (ari"u# #"ur)'# 0i$* $*'
+''d# "& $*' )" pa+% a+d $*' #' ')$i"+ "& appr"pria$' )"+/u+)$i"+ "& #"ur)'#. T*' i+#ur'r
p"##'##'# *u7' a "u+$ "& &u+d#, 0*i)* +''d pr"p'r a+a7' '+$. T*' a+a7' '+$ "&
$*' p"r$&" i" "& a+ i+#ura+)' )" pa+% r'9uir'# $*' id'+$i&i)a$i"+ "& i+('#$ '+$ a('+u'#,
'(a ua$i"+ $*'r'"& a+d $*' #' ')$i"+ "& $*' "#$ appr"pria$' i> "& a $'r+a$i('# 0*'r' $*'
&u+d# "& $*' )" pa+% )a+ 8' i+('#$'d. T*' #' ')$i"+ r'9uir'# $*' =+"0 'd7' "& &i+a+)'
r' a$'d &u+)$i"+# a+d $')*+i9u'# apar$ &r" $*' i+-d'p$* =+"0 "& $*' pa$$'r+# "&
r'9uir' '+$ "& &u+d# i+ $*' )" pa+% a# 0' a# i+ $*' i+du#$r% a# a 0*" '.
8/11/2019 Accdintal Insurance Ok
9/67
THE NEW INDIA ASSURANCE COM.LTD
TYPES OF ASSURANCE SCHEMES
T*'r' ar' a 0id' (ari'$% "& a##ura+)' #)*' '# $*a$ )a$'r $" %"ur +''d#, 0*a$'('r%"ur a7', &i+a+)ia p"#i$i"+, ri#= $" 'ra+)' a+d r'$ur+ '>p')$a$i"+#. W*'$*'r a# $*'&"u+da$i"+ "& %"ur i+('#$ '+$ pr"7ra 'd "r a# a #upp ' '+$, a##ura+)' #)*' '# )a+*' p %"u ''$ %"ur &i+a+)ia 7"a #
=A> B0 S*/)(*)/'
Op'+-E+d'd S)*' '
T*'#' d" +"$ *a(' a &i>'d a$uri$%. Y"u d'a 0i$* $*' a##ura+)' &"r %"uri+('#$ '+$# a+d r'd' p$i"+#. T*' ='% &'a$ur' i# i9uidi$%. Y"u )a+ )"+('+i'+$ % 8u% a+d#' %"ur u+i$# a$ N'$ A##'$
!a u'BNA! r' a$'d pri)'#, a$ a+% p"i+$ "& $i '.
C "#'-E+d'd S)*' '#
S)*' '# $*a$ *a(' a #$ipu a$'d a##ura+)' p'ri"d Bra+7i+7 &r" 1 $" 3 %'ar# ar')a 'd ) "#' '+d'd #)*' '#. Y"u )a+ i+('#$ i+ $*' #)*' ' a$ $*' $i ' "& $*' i+i$ia i##u'a+d $*'r'a&$'r %"u )a+ 8u% "r #' $*' u+i$# "& $*' #)*' ' "+ $*' #$")= '>)*a+7'# 0*'r'$*'% ar' i#$'d. T*' ar='$ pri)' a$ $*' #$")= '>)*a+7' )"u d (ar% &r" $*' #)*' '# "+a))"u+$ "& d' a+d a+d #upp % #i$ua$i"+, u+i$ *" d'r# '>p')$a$i"+# a+d "$*'r ar='$&a)$"r#.
O+' "& $*' )*ara)$'ri#$i)# "& $*' ) "#'-'+d'd #)*' '# i# $*a$ $*'% ar' 7'+'ra %$rad'd a$ a di#)"u+$ $" NA! 8u$ ) "#'r $" a$uri$%, $*' di#)"u+$ +arr"0#. S" ' ) "#'-'+d'd #)*' '# 7i(' %"u a+ addi$i"+a "p$i"+ "& #' i+7 %"ur u+i$# $" $*' a##ura+)')" pa+% $*r"u7* p'ri"di) r'pur)*a#' a$ NA! r' a$'d pri)'#. SE I R'7u a$i"+# '+#ur'
$*a$ a$ 'a#$ "+' "& $*' $0" '>i$ r"u$'# ar' pr"(id'd $" $*' i+('#$"r u+d'r $*' ) "#' '+d'd#)*' '#.
I+$'r(a S)*' '#
T*'#' )" 8i+' $*' &'a$ur'# "& "p'+-'+d'd a+d ) "#'-'+d'd #)*' '#. T*'% a% 8' $rad'd "+ $*' #$")= '>)*a+7' "r a% 8' "p'+ &"r #a ' "r r'd' p$i"+ duri+7
8/11/2019 Accdintal Insurance Ok
10/67
THE NEW INDIA ASSURANCE COM.LTD
pr'd'$'r i+'d i+$'r(a # a$ NA! r' a$'d pri)'#.
=B> B0 I ,';*-' * O9:'(*+,'
Gr"0$* S)*' '#
Ai $" pr"(id' )api$a appr')ia$i"+ "('r $*' 'diu $" "+7 $'r . T*'#' #)*' '#+"r a % i+('#$ a a/"ri$% "& $*'ir &u+d# i+ '9ui$i'# a+d ar' 0i i+7 $" 8'ar #*"r$ $'rd') i+' i+ (a u' &"r p"##i8 ' &u$ur' appr')ia$i"+.
T*'#' #)*' '# ar' +"$ &"r i+('#$"r# #''=i+7 r'7u ar i+)" ' "r +''di+7 $*'ir"+'% 8a)= i+ $*' #*"r$ $'r .
Id'a &"r
I+('#$"r# i+ $*'ir pri ' 'ar+i+7 %'ar#. I+('#$"r# #''=i+7 7r"0$* "('r $*' "+7 $'r .
I+)" ' S)*' '#
Ai $" pr"(id' r'7u ar a+d #$'ad% i+)" ' $" i+('#$"r#. T*'#' #)*' '# 7'+'ra %i+('#$ i+ &i>'d i+)" ' #')uri$i'# #u)* a# 8"+d# a+d )"rp"ra$' d'8'+$ur'#. Capi$aappr')ia$i"+ i+ #u)* #)*' '# a% 8' i i$'d.
Id'a &"r
R'$ir'd p'"p ' a+d "$*'r# 0i$* a +''d &"r )api$a #$a8i i$% a+d r'7u ar i+)" '. I+('#$"r# 0*" +''d #" ' i+)" ' $" #upp ' '+$ $*'ir 'ar+i+7#.
a a+)'d S)*' '#
Ai $" pr"(id' 8"$* 7r"0$* a+d i+)" ' 8% p'ri"di)a % di#$ri8u$i+7 a par$ "& $*'i+)" ' a+d
8/11/2019 Accdintal Insurance Ok
11/67
THE NEW INDIA ASSURANCE COM.LTD
Capi$a 7ai+# $*'% 'ar+. T*'% i+('#$ i+ 8"$* #*ar'# a+d &i>'d i+)" ' #')uri$i'# i+
$*' pr"p"r$i"+ i+di)a$'d i+ $*'ir "&&'r d")u '+$#. I+ a ri#i+7 #$")= ar='$, $*' NA! "&$*'#' #)*' '# a% +"$ +"r a % =''p pa)' "r &a '9ua % 0*'+ $*' ar='$ &a #.
Id'a &"r
I+('#$"r# ""=i+7 &"r a )" 8i+a$i"+ "& i+)" ' a+d "d'ra$' 7r"0$*.
M"+'% Mar='$ J Li9uid S)*' '#
Ai $" pr"(id' 'a#% i9uidi$%, pr'#'r(a$i"+ "& )api$a a+d "d'ra$' i+)" '. T*'#'
#)*' '# 7'+'ra % i+('#$ i+ #a&'r, #*"r$ $'r i+#$ru '+$# #u)* a# $r'a#ur% 8i #,
)'r$i&i)a$'# "& d'p"#i$, )" 'r)ia pap'r a+d i+$'r 8a+= )a "+'%. R'$ur+# "+ $*'#'
#)*' '# a% & u)$ua$', d'p'+di+7 up"+ $*' i+$'r'#$ ra$'# pr'(ai i+7 i+ $*' ar='$.
Id'a &"r
C"rp"ra$' a+d i+di(idua i+('#$"r# a# a 'a+# $" par= $*'ir #urp u# &u+d# &"r #*"r$
p'ri"d# "r a0ai$i+7 a "r' &a("ra8 ' i+('#$ '+$ a $'r+a$i('.
O$*'r S)*' '#-
T & S ,+ S(?'-'; =E@)+*0 L+ '8 S ,+ S(?'-' ELSS>.
S '(+ 7 S(?'-';
Fi>'d Ma$uri$% P a+#
E>)*a+7' Trad'd Fu+d# BETF#
Capi$a Pr"$')$i"+ Ori'+$'d S)*' '#
G" d E>)*a+7' Trad'd Fu+d# BGETF#
8/11/2019 Accdintal Insurance Ok
12/67
THE NEW INDIA ASSURANCE COM.LTD
COMPANY PROFILE
OF
THE NEW INDIA ASSURANCE COM. LTD.
8/11/2019 Accdintal Insurance Ok
13/67
THE NEW INDIA ASSURANCE COM.LTD
COMPANY PROFILE
A9o)* - N'< I 8+ A;;)/ (' Co- 0 L+-+*'8 N'0 I+dia A##ura+)' C" pa+% i# a 'adi+7 7 "8a i+#ura+)' 7r"up, 0i$* "&&i)'#
a+d 8ra+)*'# $*r"u7*"u$ I+dia a+d (ari"u# )"u+$ri'# a8r"ad. T*' )" pa+% #'r(i)'# $*'I+dia+ #u8)"+$i+'+$ 0i$* a +'$0"r= "& 456 "&&i)'#, )" pri#i+7 15 R'7i"+a "&&i)'#, :@:Di(i#i"+a "&&i)'# a+d 5)' '+$ 7r"0$* pr"#p')$# a+d #$r"+7 &u+da '+$a #. T*' &u+da '+$a # i+) ud' $*'9ua i$% "& $*' )" pa+% # a+a7' '+$, #u#$ai+a8i i$% "& i$# 8u#i+'## "d' a+d i$#)" p'$i$i(' p"#i$i"+, a "+7#$ "$*'r &a)$"r# TATA Fi+a+)ia S'r(i)'# I+). C" pa+% *a#"+' "& $*' ar7'#$ $'a "& r'#'ar)* a+a %#$# i+ $*' i+du#$r%, d'di)a$'d $" $ra)=i+7 d"0+$*' 8'#$ )" pa+i'# $" i+('#$ i+.
TATA Fi+a+)ia S'r(i)'# I+). S$ri('# $" pr"(id' $ra+#par'+$, '$*i)a a+d r'#'ar)*- 8a#'d i+('#$ '+$# a+d 0'a $* a+a7' '+$ #'r(i)'#.
I+$'r+a$i"+a pr'#'+)'
O('r#'a# "p'ra$i"+# )" '+)'d i+ @14. Op'ra$i"+# i+ 1< )"u+$ri'# i+ $*' %'ar144
8/11/2019 Accdintal Insurance Ok
14/67
THE NEW INDIA ASSURANCE COM.LTD
Co- 0 S*/' *?;
Lar7'#$ +u 8'r "& O&&i)'# - I+ I+dia a+d A8r"ad Trai+'d a+d $')*+i)a % 9ua i&i'd#$a&& 456 &u % )" pu$'ri;'d "&&i)'# a)r"## I+dia. A- BE>)' '+$ ra$i+7 8% A.M. '#$ KC" BEur"p' Fir#$ d" '#$i) )" pa+% $" 8' ra$'d 8% a+ I+$'r+a$i"+a Ra$i+7 A7'+)%Ra$i+7 8a#'d up"+ &" "0i+7 &a)$"r# Sup'ri"r )api$a p"#i$i"+ S$r"+7 "p'ra$i+7
p'r&"r a+)' S$r"+7 ar='$ p"#i$i"+ O+ % )" pa+% $" d'(' "p #i7+i&i)a+$ I+$'r+a$i"+a"p'ra$i"+#, "+7 r')"rd "& #u))'##&u $radi+7 "u$#id' I+dia
P+o ''/;
Fir#$ )" pa+% $" #'$ up a+ A(ia$i"+ I+#ura+)' D'par$ '+$ i+ @
8/11/2019 Accdintal Insurance Ok
15/67
THE NEW INDIA ASSURANCE COM.LTD
M+;;+oGOAL- THE PHILOSOPHICAL GOAL. T*' a##ura+)' C" pa+% )" ')$# "+'% i+ $*' &"r "& pr' iu &r" i+di(idua #BA, , C K D . T*' "+'% )" ')$'d &r" p'"p ' i# u#'d $" ''$ "+' p'r#"+ # )a a i$%. T*' a##ura+)' C" pa+% '+$'r# i+$" $*' pr")'## "& )a+a i;i+7 8% di#8ur#i+7 $*'a "u+$ )" ')$'d i+$" $*' )" a+d ')"+" %. T*u# a #i7+i&i)a+$ par$ "& $*' a)$i(i$i'# "&$*' i+#ura+)' i+du#$r% "& a+ ')"+" % '+$ai # "8i i;a$i"+ "& d" '#$i) #a(i+7# a+d i$##u8#'9u'+$ di#8ur#a $" i+('#$"r#. T*' ai+ ri#= &a)'d 8% $*' a##ura+)' )" pa+% i# 0*'+ a $*' A##ur"r# ) ai &"r$*' r'i 8ur#' '+$ a$ $*' #a ' $i '. T*i# #i$ua$i"+ i# ('r% rar' $" "))ur, a+d i# "+' "& $*'a/"r $*r'a$ $*a$ $*' a##ura+)' )" pa+% &a)'# i+ i$# 8u#i+'## "p'ra$i"+#.
T" pr"(id' &i+a+)ia #')uri$% $" i+di(idua #, $rad', )" 'r)' a+d a "$*'r
#'7 '+$# "& $*' #")i'$% 8% "&&'ri+7 i+#ura+)' pr"du)$# a+d #'r(i)'# "& *i7* 9ua i$% a$a&&"rda8 '
T" )"+#i#$'+$ % pur#u' i+('#$"r # 0'a $* "p$i i;a$i"+ 8% a)*i'(i+7 #up'ri"r a+d)"+#i#$'+$ i+('#$ '+$ r'#u $#. T" d'(' "p 7'+'ra i+#ura+)' u#i+'## i+ $*' 8'#$ i+$'r'#$
Cr'a$i+7 a )"+du)i(' '+(ir"+ '+$ $" *"+' a+d r'$ai+ $a '+$.
Pr"(idi+7 )u#$" 'r d' i7*$.I+#$i$u$i"+a i;i+7 #%#$' -appr"a)* i+ a a#p')$# "& &u+)$i"+i+7.Up*" di+7 *i7*'#$ #$a+dard# "& '$*i)a (a u'# a$ a $i '#.
V 7)';Hi7*'#$ pri"ri$% $" )u#$" 'r +''d#Hi7* #$a+dard# "& pu8 i) )"+du)$Tra+#par'+)% i+ "p'ra$i"+#.
8/11/2019 Accdintal Insurance Ok
16/67
THE NEW INDIA ASSURANCE COM.LTD
Co- 0 P'/ o/- (' N'0 I+dia A##ura+)' C" pa+% i# $*' ar7'#$ +"+- i&' i+#ur'r i+ I+dia. T*'
&i+a+)ia #$r'+7$* "& $*' C" pa+% i# r'& ')$'d &r" $*' &" "0i+7 &i7ur'# -
BR#. i+ Cr"r'#
Y'ar Gr"##
Pr' iuBi+ I+dia
Gr"##Pr' iuBOu$#id'
I+dia
N'$Pr' iuBG "8a
N'$ Pr"&i$BG "8a
T"$aA##'$#
BG "8a
N'$ W"r$*BG "8a
144 -1446 31 5.@ 6
8/11/2019 Accdintal Insurance Ok
17/67
THE NEW INDIA ASSURANCE COM.LTD
BUSINESS FOCUS
T*' 8u#i+'## &")u# i# $" p"#i$i"+ $*' #' ('# a# a 'adi+7 )"rp"ra$' K r'$ai
i+#ura+)' )" pa+% )a$'ri+7 $" $*' +''d# "& "ur )u#$" 'r#.
A$ G'+'ra A##ura+)', $*' 7uidi+7 pri+)ip '# ar' )u#$" 'r #'r(i)' a+d ) i'+$ #a$i#&a)$i"+.
A '&&"r$# ar' dir')$'d $"0ard# u+d'r#$a+di+7 $*' )u $ur', #")ia '+(ir"+ '+$ a+d
i+di(idua i+#ura+)' r'9uir' '+$# "& $*' )u#$" 'r# #" $*a$ $*'% )a+ )a$'r $" $*'ir (ari'd
+''d#.
T*'% ar' 0"r=i+7 ) "#' % 0i$* 'adi+7 i+$'r 'diari'# i+) udi+7 )"rp"ra$' a7'+$#
"$"r d'a 'r# a7'+$# 8a+=# a##")ia$i"+# a+d "$*'r i+$'r 'diari'# $" &")u# "+ $*'
)"rp"ra$' a+d r'$ai 8u#i+'##.
A##ura+)' '('ra7'# $*' )u#$" 'r 8a#' a+d '>p'r$i#' "& Ta$a Au$" L$d.
T*'% ar' $')*+" "7% dri('+ a+d #$ri(' $" #'$ up 0"r d-) a## $')*+" "7i)a
i+&ra#$ru)$ur'. T*i# 0i i+) ud' a r'+"0+'d i+#ura+)' #"&$0ar' +'$0"r=i+7 "& a "&&i)'#
a+d i+$'r 'diari'# a# 0' a# $*' a8i i$% $" i+$'r&a)' 0i$* )u#$" 'r# (ia a 'dia.
O,'/,+'<
T*' +'0 I+dia a##ura+)' C". )*ar$'d a 7r"0$* "& :.4< duri+7 $*' %'ar 0i$* $*'
a##'$ u+d'r a+a7' '+$ BAUM a# "+ Mar)* : , 1446 i+)r'a#i+7 $" R#.
8/11/2019 Accdintal Insurance Ok
18/67
THE NEW INDIA ASSURANCE COM.LTD
$'+ur' "& $*' #)*' ' a+d #''=i+7 )api$a appr')ia$i"+ 8% i+('#$i+7 i+ '9ui$% a+d '9ui$%
r' a$'d i+#$ru '+$#.
A #", T*' +'0 I+dia a##ura+)' C". !au', a :-%'ar ) "#' '+d'd di('r#i&i'd '9ui$%
#)*' ' 0i$* a+ au$" a$i) )"+('r#i"+ i+$" a+ "p'+-'+d'd #)*' ' up"+ a$uri$% $"
7'+'ra$' )"+#i#$'+$ "+7-$'r )api$a appr')ia$i"+ 8% i+('#$i+7 pr'd" i+a+$ % i+ '9ui$%
a+d '9ui$% r' a$'d #')uri$i'# 8% &" "0i+7 (a u' i+('#$i+7 #$ra$'7%, 0a# au+)*'d "+
a+uar% , 1446.
T*' +'0 I+dia a##ura+)' E9ui$% Fu+d 2 P a+ A K , "p'+-'+d'd di('r#i&i'd
'9ui$% #)*' ' 0i$* a+ "8/')$i(' $" 7'+'ra$' "+7-$'r 7r"0$* "& )api$a , 8% i+('#$i+7 pr'd" i+a+$ % i+ a di('r#i&i'd p"r$&" i" "& '9ui$% a+d '9ui$% r' a$'d #')uri$i'# i+ $*'
d" '#$i) a+d i+$'r+a$i"+a ar='$#, 0a# au+)*'d S'p$' 8'r , 144 . T*' +'0 I+dia
a##ura+)' C". Li&' Sp')ia Si$ua$i"+# a+ "p'+-'+d'd di('r#i&i'd '9ui$% #)*' ' 0i$* a+
"8/')$i(' $" 7'+'ra$' "+7-$'r )api$a 8% i+('#$i+7 i+ a p"r$&" i" "& '9ui$% a+d '9ui$%
r' a$'d #')uri$i'#. T*' #)*' ' 0"u d &" "0 a+ i+('#$ '+$ #$ra$'7% $*a$ 0"u d $a='
ad(a+$a7' "& Sp')ia Si$ua$i"+# K )"+$raria+ i+('#$ '+$ #$% '.
T*' #)*' ' 0a# au+)*'d "+ D')' 8'r , 144:. T*' +'0 I+dia a##ura+)' C".
Li&' L"+7 T'r Ad(a+$a7' Fu+d- S'ri'# a :-%'ar ) "#' '+d'd S a a+d Mid)ap
'9ui$% #)*' ' 0i$* a+ au$" a$i) )"+('r#i"+ i+$" a+ "p'+-'+d'd #)*' ' up"+ a$uri$%
0*i)* #''=# $" 7'+'ra$' )"+#i#$'+$ "+7-$'r )api$a appr')ia$i"+ 8% i+('#$i+7
pr'd" i+a+$ % i+ '9ui$% a+d '9ui$% r' a$'d #')uri$i'# "& )" pa+i'# )"+#id'r'd $" 8' # a
a+d id )ap.
T*' S)*' ' a% a #" i+('#$ a )'r$ai+ p"r$i"+ "& i$# )"rpu# i+ &i>'d i+)" '
#')uri$i'# i+) udi+7 "+'% ar='$ i+#$ru '+$#, i+ "rd'r $" ''$ i9uidi$% r'9uir' '+$#
&r" $i ' $" $i '. T*' #)*' ' 0a# au+)*'d "+ Ma% : , 144 . W' a #" au+)*'d :3Fi>'d T'r P a+# BFTP# "& (ari"u# a$uri$i'# i+ $*i# &i#)a %'ar. O+ $*' D'8$ #id' "#$
"& $*' "8i i;a$i"+# 0'r' )"+)'+$ra$'d i+ FTP#.
8/11/2019 Accdintal Insurance Ok
19/67
THE NEW INDIA ASSURANCE COM.LTD
Co ;+;*' (0
W' #$ri(' $" d' i('r )"+#i#$'+$ r'#u $# $*r"u7* "ur (a u'-8a#'d i+('#$i+7
'$*"d" "7%, =''pi+7 a i(' $*' )r'd" "& $*' a$' d"%'+ "& $*' TATA Gr"up, Mr. Sir D"ra8
Ta$a $*a$ "+'% r')'i('d &r" $*' p'"p ' #*"u d 7" 8a)= $" $*' #'('ra $i '# "('r.
F7'&+9+7+*0
T*' +'0 I+dia a##ura+)' "&&'r# i+('#$"r# a 8r"ad ra+7' "& a+a7'd i+('#$ '+$
pr"du)$# i+ (ari"u# a##'$ ) a##'# a+d ri#= para '$'r#, 0i$* "p'ra$i"+a & '>i8i i$% $" #ui$
$*'ir (ari'd i+('#$ '+$ +''d#.
S* 9+7+*0
Our )" i$ '+$ $" $*' *i7*'#$ 9ua i$% "& #'r(i)' a+d i+$'7ri$% i# $*' &"u+da$i"+
up"+ 0*i)* 0' 8ui d $ru#$ 0i$* "ur ) i'+$#.
S'/,+('
W' "&&'r a 0id' ra+7' "& #'r(i)'# $" a##i#$ i+('#$"r# *a(' a &u &i i+7 a+d
r'0ardi+7 &i+a+)ia p a++i+7 '>p'ri'+)' 0i$* u#. W' *a(' d'#i7+'d "ur #'r(i)'# =''pi+7
i+ i+d $*' +''d# "& "ur i+('#$"r#, 7i(i+7 $*' a # ""$* a+d *a## '-&r'' &i+a+)ia
p a++i+7 pr")'##.
A P/o)8 P'8+ /''
T*' +'0 I+dia a##ura+)' i# a par$ "& $*' G"($. "& I+dia, "+' "& I+dia # ar7'#$ a+d
"#$ r'#p')$'d i+du#$ria 7r"up#, r'+"0+'d &"r i$# ad*'r'+)' $" 8u#i+'## '$*i)#.
T*' Gr"up *a# a 0a%# 8' i'('d i+ r'$ur+i+7 0'a $* $" $*' #")i'$% $*a$ i$ #'r('#.
T*u#, +'ar % $0"-$*ird# "& $*' '9ui$% "& Ta$a 7r"up, $*' Gr"up # pr" "$'r )" pa+%, i#
*' d 8% p*i a+$*r"pi) $ru#$#, 0*i)* *a(' )r'a$'d a *"#$ "& +a$i"+a i+#$i$u$i"+# i+ $*'
+a$ura #)i'+)'#, 'di)a )ar', '+'r7% a+d $*' ar$#. T*' $ru#$# a #" 7i(' #u8#$a+$ia a++ua
8/11/2019 Accdintal Insurance Ok
20/67
THE NEW INDIA ASSURANCE COM.LTD
7ra+$# a+d '+d"0 '+$# $" d'#'r(i+7 i+di(idua # a+d i+#$i$u$i"+# i+ $*' ar'a# "& 'du)a$i"+,
*'a $*)ar' a+d #")ia up i&$.
% )" 8i+i+7 '$*i)a (a u'# 0i$* 8u#i+'## a)u '+, 7 "8a i;a$i"+ 0i$* +a$i"+a
i+$'r'#$# a+d )"r' 8u#i+'##'# 0i$* ' 'r7i+7 "+'#, $*' Ta$a Gr"up ai # $" 8' $*' ar7'#$
a+d "#$ r'#p')$'d 7 "8a 8ra+d &r" I+dia. T*i# 0a%, i$ &u &i # i$# "+7-#$a+di+7
)" i$ '+$ $" i pr"(i+7 $*' 9ua i$% "& i&' "& i$# #$a='*" d'r#.
L' 8'/;?+
8/11/2019 Accdintal Insurance Ok
21/67
THE NEW INDIA ASSURANCE COM.LTD
RURAL URBAN MIX CUSTOMER VIEW S
I$ u#$ 8' 8"r+' i+ i+d $*a$ I+dia i# a pr'd" i+a+$ % rura )"u+$r% a+d 0i
)"+$i+u' $" 8' #" i+ $*' +'ar &u$ur'. N'0 p a%'r# a% $'+d $" &a("r $*' )r'a % a%'r "&
$*' ur8a+ p"pu a$i"+. u$, i+ d"i+7 #", $*'% a% 0' i## a ar7' )*u+= "& $*' i+#ura8 '
p"pu a$i"+. A #$r"+7 )a#' i+ p"i+$ i# $*' )urr'+$ 8u#i+'## )" p"#i$i"+ "& pr'd" i+a+$
ar='$ 'ad'r 2 $*' Li&' I+#ura+)' C"rp"ra$i"+ "& I+dia. T*' i"+ # #*ar' "& i$# +'0
8u#i+'## )" '# &r" $*' rura a+d #' i-rura ar='$#. I+ a )"u+$r% "& 8i i"+ p'"p ',a## ar='$i+7 i# a 0a%# a pr"&i$a8 ' a+d )"#$-'&&')$i(' "p$i"+ &"r 7ai+i+7 ar='$ #*ar'.
T*' rura #')$"r i# a p'r&')$ )a#' &"r a## ar='$i+7.
C" p'$i$i"+ i+ rura ar'a# $'+d# $" 8' =i+d'r a+d 7'+$ 'r $*a+ $*a$ i+ ur8a+
ar'a#, 0*i)* )a+ 'a#i % 8' $'r 'd )u$$*r"a$ A+d $*' 7'+'ra % # a 'r p" i)% a "u+$# i+
rura ar'a# 0"u d 8' "r' $*a+ "&'$ 8% $*' *i7*'r (" u ' p"$'+$ia i+ $*'#' ar'a# i+
)"+$ra#$ 0i$* ur8a+ ar'a#. Id'+$i&%i+7 $*' ri7*$ a7'+$# $" *ar+'## $*' &u p"$'+$ia "& $*'
(i8ra+$ a+d d%+a i) rura ar='$# 0i 8' i p'ra$i('.
Rura i+#ura+)' #*"u d 8' ""='d up"+ a# a+ "pp"r$u+i$% a+d +"$ a+ "8 i7a$i"+. A
# a 'r 8u+d ' "& i++"(a$i(' pr"du)$# i+ #%+) 0i$* rura +''d# a+d p'r)'p$i"+ a+d a+
'&&i)i'+$ d' i('r% #%#$' ar' $*' $0" a#p')$# $*a$ *a(' $" 8' d'(' "p'd i+ "rd'r $"
p'+'$ra$' $*' rura ar='$#.
8/11/2019 Accdintal Insurance Ok
22/67
THE NEW INDIA ASSURANCE COM.LTD
H+;*o/0
H+;*o/0 o T?' N'< I 8+ A;;)/ (' Co- 0 L+-+*'8
I+)"rp"ra$'d "+ u % 1:rd, @ @ F"u+d'd 8% Sir D"ra8 Ta$a i+ @ @, N'0 I+dia i#
$*' &ir#$ &u % I+dia+ "0+'d i+#ura+)' )" pa+% i+ I+dia.
N'0 I+dia 0a# a pi"+''r a "+7 $*' I+dia+ C" pa+i'# "+ (ari"u# &r"+$#, ri7*$
&r" i+#uri+7 $*' &ir#$ d" '#$i) air i+'# i+ @ "+ a #)"r)*i+7 8u ra %, a+% i+('#$"r# pr'&'r $" $rad' "+ #$")=#$*' #' ('#. Mu$ua &u+d# ar' "r' 8a a+)'d #i+)' $*'% di('r#i&% "('r a ar7' +u 8'r "&
#$")=# a+d #')$"r#.
I+ $*' ra % "& 1444, i$ 0a# +"$i)'d $*a$ u$ua &u+d# did 8'$$'r $*a+ $*' #$")=#
ai+ % du' $" prud'+$ &u+d a+a7' '+$ 8a#'d "+ $*' (ir$u'# "& di('r#i&i)a$i"+.
Fir#$ P*a#' 2 @ @-63 S$a8i i;'d U+i$ Tru#$ "& I+dia BUTI 0a# '#$a8 i#*'d "+ @ @ 8% a+ A)$ "& Par ia '+$. I$
0a# #'$ up 8% $*' R'#'r(' a+= "& I+dia a+d &u+)$i"+'d u+d'r $*' R'7u a$"r% a+d
ad i+i#$ra$i(' )"+$r" "& $*' R'#'r(' a+= "& I+dia. I+ @16 UTI 0a# d'- i+='d &r" $*'
R I a+d $*' I+du#$ria D'(' "p '+$ a+= "& I+dia BID I $""= "('r $*' r'7u a$"r% a+d
8/11/2019 Accdintal Insurance Ok
23/67
THE NEW INDIA ASSURANCE COM.LTD
ad i+i#$ra$i(' )"+$r" i+ p a)' "& R I. T*' &ir#$ #)*' ' au+)*'d 8% UTI 0a# U+i$
S)*' ' @5
8/11/2019 Accdintal Insurance Ok
24/67
8/11/2019 Accdintal Insurance Ok
25/67
THE NEW INDIA ASSURANCE COM.LTD
P/o8)(* P/o +7'
8/11/2019 Accdintal Insurance Ok
26/67
THE NEW INDIA ASSURANCE COM.LTD
P/o8)(* P/o +7'
A. P/o8)(*; # Po7+(0
1. Co--'/(+ 7 P/o8)(*; Po7+(0
1.1 Jewellers Block Policy
1.2 Bankers Indemnity Policy
1.3 Shopkeepers Policy
1.4 Marine Cargo Policy
1.5 Plate Glass Insurance
1.6 Special Contingency Policy
1.7 Neon Sign Insurance
1.8 Multi Peril Policy for L PG !ealers
1.9 "idelity Guarantee Insurance Policy
1.10 Marine #ull Policy
1.11 $%iation Insurance
2. P'/;o 7 P/o8)(*; Po7+(0
1. . Pra(a#i *ara$i%a i a Y"/a+a P" i)%
1.1. P'r#"+a A))id'+$ P" i)%
1.:. H"u#'*" d'r# P" i)%1.
8/11/2019 Accdintal Insurance Ok
27/67
THE NEW INDIA ASSURANCE COM.LTD
1.@. O$*'r P'r#"+a I+#ura+)'
3. L+ 9+7+*0 Po7+(0
:. . Pu8 i) Lia8i i$% P" i)%
:.1. Pr"du)$# Lia8i i$% P" i)%
:.:. Pr"&'##i"+a I+d' +i$% P" i)%
:.
8/11/2019 Accdintal Insurance Ok
28/67
THE NEW INDIA ASSURANCE COM.LTD
5. So(+ 7 Po7+(0
3. . U+i('r#a H'a $* I+#ura+)' S)*' '
3.1. a+ Ar"7%a i a P" i)%
3.:. Ra/ Ra/'#*0ari Ma*i a a %a+ Y"/a+a
3.
8/11/2019 Accdintal Insurance Ok
29/67
THE NEW INDIA ASSURANCE COM.LTD
THE TOTAL PRODUCT CONCEPT
T*' T"$a Pr"du)$ C"+)'p$ BTPC , 0*i)* i p i'd $*a$ a pr"du)$ *ad $*r'' '(' #
"& &'a$ur'# a+d $*' )"+#u p$i"+, 0a# i+ $"$a i$%.
LEVEL 1
Co/' P/o8)(*
I+ $*' I+#ura+)' I+du#$r% $*' )"r' pr"du)$ i# $*' p" i)% $*a$ pr"(id'# pr"$')$i"+ $"
$*' )"+#u 'r# a7ai+#$ $*' ri#=#. T*i# i# $*' ai+ r'a#"+ &"r 0*i)* $*' I+#ura+)'
C" pa+% i# i+ '>i#$'+)'. I$ pr"(id'# pr"$')$i"+ 8% 0a% "& (ari"u# rid'r# (i;. A))id'+$a
D'a$* '+'&i$, D"u8 ' Su A##ur'd, Cri$i)a I +'## 8'+'&i$#, Wai('r "& Pr' iu #, '$).
O+ $*' 8a#i# "& $*' ri#=# p'r)'i('d, $*' i+#ur'r d'(' "p# a pr"du)$ $" )"('r $*'
#$ipu a$'d ri#=#. W*i ' d'#i7+i+7 a+ i+#ura+)' pr"du)$, a+ i+#ur'r d')id'# i$# )"#$ $" 8'
)*ar7'd &r" $*' i+#ur'd i+ $*' &"r "& pr' iu , r'du)$i"+ $*'r'"& i+ )'r$ai+ )a#'# i='
+"$ "d7i+7 a+% ) ai duri+7 $*' pr'(i"u# )"('r'd p'ri"dB# , #u77'#$i+7 $*'
i p ' '+$a$i"+ "& ri#=- i$i7a$i+7 'a#ur'#, '$). T*' &'a$ur'# "& a pr"du)$ #*"u d 8'
& '>i8 ' '+"u7* $" pr"(id' &"r $*' d'$'r i+a$i"+ "& pr' iu #, r'8a$'#, addi$i"+a
pr' iu #, '$). d'p'+di+7 up"+ $*' ri#= 8'+)* ar=# a# d'$'r i+'d.
8/11/2019 Accdintal Insurance Ok
30/67
8/11/2019 Accdintal Insurance Ok
31/67
THE NEW INDIA ASSURANCE COM.LTD
i+&"r a$i"+ a8"u$ $*' (ari"u# &"r a i$i'# $*a$ *a(' $" 8' ad*'r'd $" a$ $*' $i ' "&
#u8 i##i"+ "& $*' app i)a$i"+ &"r .
LEVEL 3
A) -' *'8 /o8)(*
Wi$* &ur$*'r '>p')$a$i"+ "& $*' )"+#u 'r 2 a7ai+ #%+)*r"+i;'d 0i$* i+$'+#'
)" p'$i$i"+ 2 ar='$'r# "&&'r "r' a+d "r' i+$a+7i8 ' &'a$ur'#.
1. Po;* ; 7'; ;'/,+('
T*' i+#ura+)' )" pa+% u#$ +"$ )"+#id'r i$ a# $*' '+d "& $*' #'r(i)' pr"(idi+7
$*' )"+#u 'r *a# $a='+ "+)' $*' p" i)%. T*' &u+)$i"+# "& a+ i+#ura+)' )" pa+% i+) ud'
$*' pr"(i#i"+ "& $*' P"#$-#a '# #'r(i)'# $" $*' )"+#u 'r. A "+7 $*' #'r(i)'# r'+d'r'd 8%
$*' i+#ura+)' )" pa+% i# $*' #'r(i)' "& pr")'##i+7 a+d r' 'a#' "& ) ai #. T*' i+#ura+)'
)" pa+% +''d# $" ('ri&% $*' a))ura)% "& $*' &a)$# pr'#'+$'d i+ r' a$i"+ $" $*' i+#ura+)'
) ai a+d $*' d")u '+$# pr"du)'d i+ #upp"r$ $*'r'"&.
2. D'7+,'/0 o+ *;
T*' d' i('r% p"i+$# )a+ 8' $*' 8ra+)*'# $*a$ $*' i+#ura+)' )" pa+% *a# a$ $*'
di#)r'$i"+ "& $*' "& $*' )"+#u 'r# ")a$i"+. T*' d' i('r% p"i+$# )a+ a #" 8' "8i i;'d
0i$* $*' pr'#'+)' "& $*' i+#ura+)' a7'+$#. T*' a7'+$# )a+ )"('r a 0id' ar'a a+d 7'$ i+
)"+$a)$ 0i$* $*' )"+#u 'r# $" pr"(id' $*' #'r(i)' $" *i .
3. C);*o-'/ '8)( *+o 8 */ + +
T*' )u#$" 'r 'du)a$i"+ a+d $rai+i+7 i# ('r% i p"r$a+$ &"r $*' i+#ura+)' )" pa+%.
T*' a7'+$# p a% a (i$a r" ' i+ $*i# )"+$'>$. T*' )u#$" 'r )a+ 8' 'du)a$'d "+ (ari"u#
8'+'&i$# $*a$ )a+ 8' a))ru'd i+ *i# &u$ur' i&' 8% $a=i+7 a p" i)%. T*i# i# 0*'r' $*' a7'+$#
8/11/2019 Accdintal Insurance Ok
32/67
THE NEW INDIA ASSURANCE COM.LTD
)" u+i)a$i"+ #=i # )" ' i+$" $*' pi)$ur'. T*' i+#ura+)' )" pa+% *a# $" p a% a+ a)$i('
r" ' i+ '+a8 i+7 $*' a7'+$# $" i par$ $*' 8'#$ )u#$" 'r 'du)a$i"+ $*r"u7* appr"pria$'
$rai+i+7 7i('+ $" $*' a7'+$#.
4. C);*o-'/ (o- 7 + * - '-' *
Cu#$" 'r )" p ai+$# a+a7' '+$ 0i$* r'7ard# $" d' a% i+ di#)*ar7' "& ) ai #
u#$ 8' '&&')$i(' % *a+d 'd 8% $*' i+#ura+)' )" pa+% $" *a(' )" p'$i$i(' 'd7' "('r i$#
)" p'$i$"r#. T*' )" p ai+$ a+a7' '+$ 0i *' p $*' )" pa+% $" 7'$ $*' )"+#u 'r#
) "#'r $" $*' "r7a+i;a$i"+ a# $*' )"+#u 'r# &'' $*a$ $*'ir 7ri'(a+)'# ar' $a='+ )ar' "&.T*u# LIC *a# a+ "+ i+' &''d8a)= #%#$' 0*'r' $*' )"+#u 'r# "& $*' p" i)% )a+
r'7i#$'r $*'ir 7ri'(a+)'#.
5. P 0-' * o *+o ;
T*' i+#ura+)' )" pa+% )a+ "&&'r pa% '+$ "p$i"+# $" $*' )"+#u 'r# 0i$* r'7ard#
$" pa% '+$ "& pr' iu 2 $*' "d' "& pa% '+$ a+d $*' p'ri"d 0i$*i+ 0*i)* $*' pr' iu
a "u+$ *a# $" 8' paid.
8/11/2019 Accdintal Insurance Ok
33/67
THE NEW INDIA ASSURANCE COM.LTD
I 8+ ; O +(';
Co/ o/ *'
Co/ o/ *' H' 8 o +(' A88/';;
T*' N'0 I+dia A##ura+)' C". L$d.
6 , M.G. R"ad, F"r$,Mu 8ai
8/11/2019 Accdintal Insurance Ok
34/67
THE NEW INDIA ASSURANCE COM.LTD
Do-';*+( o +(';
A* 'da8ad
a+7a "r'
ar"da
*"pa
*u8a+'#*0ar
C*a+di7ar*
C*'++ai
C"i 8a$"r'
D' *i RO I
D' *i RO II
Er+a=u a
Gu0a*a$i
H%d'ra8ad
aipur a+pur
" =a$a
Lud*ia+a
Mu 8ai RO I
Mu 8ai RO II
Mu 8ai RO III
Mu 8ai RO I!
Na7pur
Pa$+a
Pu+'
Sura$
!i#*a=*apa$+a
http://www.niacl.com/ahmedabad.asphttp://www.niacl.com/bangalore.asphttp://www.niacl.com/baroda.asphttp://www.niacl.com/bhopal.asphttp://www.niacl.com/bhubaneshwar.asphttp://www.niacl.com/chandigarh.asphttp://www.niacl.com/chennai.asphttp://www.niacl.com/coimbatore.asphttp://www.niacl.com/delhi-ro1.asphttp://www.niacl.com/delhi-ro2.asphttp://www.niacl.com/ernakulam.asphttp://www.niacl.com/guwahati.asphttp://www.niacl.com/hyderabad.asphttp://www.niacl.com/jaipur.asphttp://www.niacl.com/kanpur.asphttp://www.niacl.com/kolkata.asphttp://www.niacl.com/ludhiana.asphttp://www.niacl.com/mumbai-ro1.asphttp://www.niacl.com/mumbai-ro2.asphttp://www.niacl.com/mumbai-ro3.asphttp://www.niacl.com/mumbai-ro4.asphttp://www.niacl.com/nagpur.asphttp://www.niacl.com/patna.asphttp://www.niacl.com/pune.asphttp://www.niacl.com/surat.asphttp://www.niacl.com/vizag.asphttp://www.niacl.com/ahmedabad.asphttp://www.niacl.com/bangalore.asphttp://www.niacl.com/baroda.asphttp://www.niacl.com/bhopal.asphttp://www.niacl.com/bhubaneshwar.asphttp://www.niacl.com/chandigarh.asphttp://www.niacl.com/chennai.asphttp://www.niacl.com/coimbatore.asphttp://www.niacl.com/delhi-ro1.asphttp://www.niacl.com/delhi-ro2.asphttp://www.niacl.com/ernakulam.asphttp://www.niacl.com/guwahati.asphttp://www.niacl.com/hyderabad.asphttp://www.niacl.com/jaipur.asphttp://www.niacl.com/kanpur.asphttp://www.niacl.com/kolkata.asphttp://www.niacl.com/ludhiana.asphttp://www.niacl.com/mumbai-ro1.asphttp://www.niacl.com/mumbai-ro2.asphttp://www.niacl.com/mumbai-ro3.asphttp://www.niacl.com/mumbai-ro4.asphttp://www.niacl.com/nagpur.asphttp://www.niacl.com/patna.asphttp://www.niacl.com/pune.asphttp://www.niacl.com/surat.asphttp://www.niacl.com/vizag.asp8/11/2019 Accdintal Insurance Ok
35/67
THE NEW INDIA ASSURANCE COM.LTD
O,'/,+'< o P/o8)(*A$ T*' +'0 I+dia a##ura+)' C" pa+%, 0' 8' i'(' $*a$ %"ur i+('#$ '+$ +''d#
d'p'+d "+ p'r#"+a a+d &i+a+)ia 7"a #. Id'+$i&%i+7 %"ur &i+a+)ia 7"a # i# $*' ='% $"
a)*i'(i+7 $*' 8i7 $*i+7# i+ %"ur i&', 8' i$ %"ur )*i d # 'du)a$i"+ "r a )ar'&r'' a+d
)" &"r$a8 ' r'$ir'd i&'.
A&$'r id'+$i&%i+7 a+d d'&i+i+7 %"ur &i+a+)ia 7"a #, %"u +"0 +''d $" p a+ &"r 'a)*
"& $*' i+ a+ "r7a+i;'d a+d a pr"&'##i"+a 0a%. I+('#$ '+$ '>p'r$# ar"u+d $*' 0"r d
ad(i#' i+#$ru '+$# i=' '9ui$% &u+d# a+d #$")=# &"r "+7-$'r B "r' $*a+ 3 %'ar# , i+)" '
&u+d# &"r 'diu -$'r a+d i9uid &u+d# &"r #*"r$-$'r +''d#.
T*' i+('#$ '+$ a$ri> *'r' d'pi)$# $*' '+$ir' a(ai a8 ' (ari'$% "& i+('#$ '+$
"p$i"+#. T*"#' a$ $*' $"p pr"(id' &"r a 7r'a$'r "pp"r$u+i$% &"r "+7-$'r )api$a 7r"0$*
0*i ' $*"#' a$ $*' 8"$$" $a=' )ar' "& )urr'+$ i+)" ' a+d r'a#"+a8 ' r'$ur+ K i9uidi$%.
Ta$a Fu+d "&&'r# a 0id' ra+7' "& &u+d# &"r di&&'r'+$ i+('#$ '+$ i+#$ru '+$# d'#i7+'d $"
)a$'r $" %"ur i+di(idua pr"&i ' a+d i&'-#$a7'.
S0;*'- *+( I ,';*-' * P7
T*' S%#$' a$i) I+('#$ '+$ P a+ BSIP i# a #i p ' a+d $i ' *"+"r'd i+('#$ '+$
#$ra$'7% &"r a))u u a$i"+ "& 0'a $* i+ a di#)ip i+'d a++'r "('r "+7 $'r p'ri"d. T*'
p a+ ai # a$ a 8'$$'r &u$ur' &"r i$# i+('#$"r# a# a+ SIP i+('#$"r 7'$# 7""d ra$' "& r'$ur+#
)" par'd $" a "+' $i ' i+('#$"r.
A #p')i&i) a "u+$ #*"u d 8' i+('#$'d &"r a )"+$i+u"u# p'ri"d a$ r'7u ar i+$'r(a #
u+d'r $*i# p a+. SIP i# #i i ar $" a r'7u ar #a(i+7 #)*' ' i=' a r')urri+7 d'p"#i$. I$ i# a
'$*"d "& i+('#$i+7 a &i>'d #u r'7u ar % i+ a u$ua &u+d.
SIP a "0# $*' i+('#$"r $" 8u% u+i$# "+ a 7i('+ da$' '('r% "+$*. T*' i+('#$"rd')id'# $*' a "u+$ a+d a #" $*' u$ua &u+d #)*' '.
W*i ' $*' i+('#$"r # i+('#$ '+$ r' ai+# $*' #a ', "r' +u 8'r "& u+i$# )a+ 8'
8"u7*$ i+ a d') i+i+7 ar='$ a+d '## +u 8'r "& u+i$# i+ a ri#i+7 ar='$.
8/11/2019 Accdintal Insurance Ok
36/67
THE NEW INDIA ASSURANCE COM.LTD
T*' i+('#$"r au$" a$i)a % par$i)ipa$'# i+ $*' ar='$ #0i+7# "+)' $*' "p$i"+ &"r SIP i#
ad'.
SIP '+#ur'# a('ra7i+7 "& rup'' )"#$ a# )"+#i#$'+$ i+('#$ '+$ '+#ur'# $*a$ a('ra7'
)"#$ p'r u+i$ &i$# i+ $*' "0'r ra+7' "& a('ra7' ar='$ pri)'. A+ i+('#$"r )a+ 'i$*'r 7i('
p"#$ da$'d )*'9u'# "r ECS i+#$ru)$i"+ a+d $*' i+('#$ '+$ 0i 8' ad' r'7u ar % i+ $*'
u$ua &u+d d'#ir'd &"r $*' r'9uir'd a "u+$. SIP 7'+'ra % #$ar$# a$ i+i u a "u+$# "&
R#. 444J- p'r "+$* a+d upp'r i i$ &"r u#i+7 a+ ECS i# R#.13444J- p'r i+#$ru)$i"+. F"r
i+#$a+)', i& "+' 0i#*'# $" i+('#$ R#. , 44,444J- p'r "+$*, $*'+ $*'% +''d $" d" i$ "+ &"ur
di&&'r'+$ da$'#.F) 8 P/o8)(* /' 8+,+8'8 + o77o
8/11/2019 Accdintal Insurance Ok
37/67
THE NEW INDIA ASSURANCE COM.LTD
TYPES OF SCHEMES
Wid' (ari'$% "& Fu+d S)*' '# '>i#$# $" )a$'r $" $*' +''d# #u)* a# &i+a+)ia
p"#i$i"+, ri#= $" 'ra+)' a+d r'$ur+ '>p')$a$i"+# '$).
T*' $a8 ' 8' "0 7i('# a+ "('r(i'0 i+$" $*' '>i#$i+7 $%p'# "& #)*' '# i+ $*'
I+du#$r%
FRE UENTLY USED TERMS
N'* A;;'* V 7)' =NAV>
N'$ A##'$ !a u' i# $*' ar='$ (a u' "& $*' a##'$# "& $*' #)*' ' i+u# i$#
ia8i i$i'#. T*' p'r u+i$ NA! i# $*' +'$ a##'$ (a u' "& $*' #)*' ' di(id'd 8% $*' +u 8'r "&
u+i$# "u$#$a+di+7 "+ $*' !a ua$i"+ Da$'.
S 7' P/+('
I# $*' pri)' %"u pa% 0*'+ %"u i+('#$ i+ a #)*' ' A #" )a 'd O&&'r Pri)'. I$ a%
i+) ud' a #a '# "ad.
R' )/(? ;' P/+('
I# $*' pri)' a$ 0*i)* a ) "#'-'+d'd #)*' ' r'pur)*a#'# i$# u+i$# a+d i$ a%
i+) ud' a 8a)=-'+d "ad. T*i# i# a #" )a 'd id Pri)'.
R'8'- *+o P/+('
I# $*' pri)' a$ 0*i)* "p'+-'+d'd #)*' '# r'pur)*a#' $*'ir u+i$# a+d ) "#'-'+d'd
#)*' '# r'd'' $*'ir u+i$# "+ a$uri$%. Su)* pri)'# ar' NA! r' a$'d.
S 7'; Lo 8
I# a )*ar7' )" ')$'d 8% a #)*' ' 0*'+ i$ #' # $*' u+i$#. A #" )a 'd, Fr"+$-'+d
"ad. S)*' '# $*a$ d" +"$ )*ar7' a "ad ar' )a 'd N" L"ad #)*' '#.
R' )/(? ;' o/ GB ( ' 8 Lo 8
I# a )*ar7' )" ')$'d 8% a #)*' ' 0*'+ i$ 8u%# 8a)= $*' u+i$# &r" $*' u+i$
*" d'r#.
8/11/2019 Accdintal Insurance Ok
38/67
THE NEW INDIA ASSURANCE COM.LTD
L ;* 1% 0' /
8/11/2019 Accdintal Insurance Ok
39/67
8/11/2019 Accdintal Insurance Ok
40/67
THE NEW INDIA ASSURANCE COM.LTD
PERFORMANCE HI!HLI!HTS FOR THE YEAR 2%%2 %3
2%%2 %3 < ; 0'* o*?'/ 0' / o +- /';;+,' /o
8/11/2019 Accdintal Insurance Ok
41/67
THE NEW INDIA ASSURANCE COM.LTD
A)9ui#i$i"+ )"#$# *a(' a))"u+$'d &"r R#. @: Cr# a# a7ai+#$ R#.64 Cr# "& pr'(i"u#
%'ar du' $" #$''p i+)r'a#' "& )" i##i"+ pa% '+$. C" i##i"+ p'r)'+$a7' $" +'$
pr' iu i+)r'a#' $" 3.
8/11/2019 Accdintal Insurance Ok
42/67
THE NEW INDIA ASSURANCE COM.LTD
DIVIDEND
R#.
8/11/2019 Accdintal Insurance Ok
43/67
THE NEW INDIA ASSURANCE COM.LTD
PLANS FOR 2%%3 %4
Do-';*+(
F"r $*' %'ar 144:-4< 0' *a(' p a++'d &"r a $ar7'$ "& R#.< 44 Cr#.
Fo/'+
T*' pr' iu "8/')$i(' &"r 144:-4< i# ai 'd a$ R#.@:3 Cr# 7r"##.
I o/- *+o T'(? o7o 0
N'0 I+dia i# a #'$ $" ' 8ar= "+ $*' i p ' '+$a$i"+ "& GENISYS
ENTERPRISE- $*' )u#$" i;'d '+$'rpri#' #" u$i"+ 8'i+7 pr")ur'd &r" CMC. GENISYS
ENTERPRISE i# a+ u 8r' a app i)a$i"+ $*a$ 0i addr'## $" '+$'rpri#' 0id'
r'9uir' '+$# "& $*' C" pa+%.
Wid' Ar'a N'$0"r= )"++')$i+7 a "ur R'7i"+a O&&i)'# B'>)'p$ Na7pur 0i$*
H'ad O&&i)' $*r"u7* 'a#'d i+'# i# a r'ad% i+ p a)'. Curr'+$ % 8'i+7 u#'d &"r ("i)'
$ra+#&'r a+d da$a $ra+#&'r. T"da%, $*' da$a8a#' a)r"## $*' "r7a+i;a$i"+ i# a di#$ri8u$'d "+'.
Wi$* GENISYS ENTERPRISE, $*' da$a &r" "p'ra$i+7 "&&i)'# 0i 8' r'p i)a$'d a$ a
r'p"#i$"r% a$ R'7i"+a O&&i)' a+d $*r"u7* WAN )"++')$i(i$%, a$ $*' C'+$ra r'p"#i$"r% a$
$*' H'ad O&&i)'. GENISYS
ENTERPRISE WILL ENA LE Op'ra$i+7 O&&i)' da$a '>)*a+7'#, da$a i+$'7ra$i"+
0i$* a$'ra a+d *i7*'r "&&i)' a+d '+$'rpri#' 0id' da$a )"+#" ida$i"+. I$ 0i '+a8 '
8u#i+'## i+$' i7'+)' a+d u $i-di '+#i"+a a+a %#i# "& da$a.
8/11/2019 Accdintal Insurance Ok
44/67
THE NEW INDIA ASSURANCE COM.LTD
8/11/2019 Accdintal Insurance Ok
45/67
THE NEW INDIA ASSURANCE COM.LTD
O9:'(*+,'
O9:'(*+,' o *?' /o:'(*
P/+- /0 O9:'(*+,'
A S$ud% O& D'ri(a$i(' R'#'ar)* O+
CUSTOMER !IEW FOR MAR ET POTENTIAL IN IN!ESTMENT
S'(o 8 /0 O9:'(*+,';
. Sa '# pr" "$i"+ "& T*' N'0 I+dia A##ura+)' Fu+d Pr"du)$#.
1. T" )"+('r$ $*' +"r a #a('r# i+$" I+('#$"r#.
:. T" id'+$i&% $*' p"$'+$ia "& Mu$ua &u+d pr"du)$ i+ $"da% # '+(ir"+ '+$.
8/11/2019 Accdintal Insurance Ok
46/67
THE NEW INDIA ASSURANCE COM.LTD
S(o ' o S*)80
S(o ' o *?'
8/11/2019 Accdintal Insurance Ok
47/67
THE NEW INDIA ASSURANCE COM.LTD
R';' /(? M'*?o8o7o 0
R';' /(? -'*?o8o7o 0
R'#'ar)* '$*"d" "7% i# a 0a% $" #%#$' a$i)a % #" (' $*' r'#'ar)* pr"8 ' . I$
a% 8' u+d'r#$""d a# $*' #)i'+)' "& #$ud%i+7 *"0 r'#'ar)* i# d"+'.
R'#'ar)* i+ $*' )" "+ par a+)' r'&'r# $" a #'ar)* &"r =+"0 'd7'.
R'#'ar)* a# $*' #%#$' a$i) K "8/')$i(' a+a %#i# K r')"rdi+7 "& )"+$r" 'd
"8#'r(a$i"+ $*a$ a% 'ad $" $*' 7'+'ra i;a$i"+ pri+)ip ' "r $*' $*'"ri'#, r'#u $i+7 i+ $*'
pr'di)$i"+ K p"##i8 % u $i a$' )"+$r" "& '('+$#.
R';' /(? 8';+ -
A /';' /(? 8';+ +; *?' 7o +( 7 # ;0;*'- *+( 7 + # 8+/'(*+ o +'('
o /';' /(?.
I$ i# $*' p a+, #$ru)$ur' K #$ra$'7i'# "& i+('#$i7a$i"+ )"+)'i('d #" a# $" "8$ai+
a+#0'r $" r'#'ar)* 9u'#$i"+. T*'r' i# $*' &" "0i+7 $%p' "& r'#'ar)* d'#i7+-
. E>p "ra$"r% R'#'ar)* D'#i7+
1. D'#)rip$i(' R'#'ar)* D'#i7+
1. E& 7o/ *o/0 R';' /(? D';+
A+ '>p "ra$"r% d'#i7+ ai # a$ di#)"('ri+7 "r' a8"u$ (ari"u# di '+#i"+# "& $*'
r'#'ar)* pr"8 ' K i$# a##")ia$'d a#p')$#. I$ ai # a$ *' pi+7 $*' r'#'ar)*'r $" &"r u a$' a
"r' pr')i#' K #$ru)$ur'd pr"8 ' .
D'#)rip$i(' r'#'ar)* d'#i7+-
D'#)rip$i(' #$udi'#, )"+)'r+ $*' #' ('# 0i$* d'#)ri8i+7 $*' )*ara)$'ri#$i)# "& a par$i)u ar i+di(idua , 7r"up, )" u+i$% "r p'"p '. D'#)rip$i(' #$udi'# "&$'+ *' p $*'
r'#'ar)*'r $" d" a "$ "& #pad' 0"r= K a)$ a# au+)* pad# "& $*' &ur$*'r r'#'ar)*'r.
D'#)rip$i(' r'#'ar)* d'#)ri8'# a 8'*a(i"r "r )"+di$i"+.
8/11/2019 Accdintal Insurance Ok
48/67
THE NEW INDIA ASSURANCE COM.LTD
I- o/* (' o 8 *
Da$a
Da$a i# &a)$# &i7ur'# K "$*'r r' '(a+$ a$'ria #, pa#$ a+d pr'#'+$ #'r(i+7 a# 8a#'#
&"r #$ud% a+d a+a %#i#. I$ i# 8a#'d "+ "8#'r(a$i"+.
Da$a i# pri ari % "& $0" =i+d#-
. Pri ar% da$a
1. S')"+dar% da$a
Pri ar% da$a-
Da$a $*a$ i# )" ')$'d &"r $*' #p')i&i) purp"#' a$ *a+d i# )a 'd a# pri ar% da$a.
Da$a )" ')$'d 8% $*' r'#'ar)*'r #p')i&i)a % &"r $*' r'#'ar)*
Pri ar% da$a-
Da$a $*a$ i# )" ')$'d &"r $*' #p')i&i) purp"#' a$ *a+d i# )a 'd a# pri ar% da$a.
Da$a )" ')$'d 8% $*' r'#'ar)*'r #p')i&i)a % &"r $*' r'#'ar)* pr"/')$.
N'0 7a$*'r'd da$a $" *' p a+d #" (' $*' pr"8 ' a$ *a+d. A# )" par'd $" #')"+dar% da$a
0*i)* i# pr'(i"u# % 7a$*'r'd da$a.
Pri ar% da$a i+) ud'#-
. )';*+o +/' -T*' r'#p"+d'+$ i# 9u'#$i"+'d dir')$ % a8"u$ $*' p'r)'p$i"+ "& $*'
pr"du)$ 8% $*' d'#i7+'d 9u'#$i"++air'.
2. S'(o 8 /0 8 *
S')"+dar% da$a i# $*' da$a $*a$ *a# 8''+ )" ')$'d 'ar i'r &"r #" ' purp"#' "$*'r $*a+
purp"#' "& $*' pr'#'+$ #$ud%.
Da$a "8$ai+ i+dir')$ % &r" #"ur)' #u)* a# $*' 8""= "r )" pu$'r da$a8a#'.
Da$a $*a$ *a(' a r'ad% 8''+ )" ')$'d &"r #" ' purp"#' "$*'r $*a+ $*' )urr'+$
#$ud%.
8/11/2019 Accdintal Insurance Ok
49/67
THE NEW INDIA ASSURANCE COM.LTD
S'(o 8 /0 8 * + (7)8';
1. R' '/' (' 9oo ; E('r% r'#'ar)* #$ud% *a# i$# $*'"r'$i)a a+d pra)$i)a par$. T*'"r%
par$ i# u#ua % )" pi 'd 8% r'&'r'+)' "& (ari"u# 8""=# "+ )"+)'r+ $"pi).
2. Co- 0 /'(o/8; - T*' N'0 I+dia A##ura+)' C" ., Udaipur.
3. M + ' - Da=#*.
S - 7' 8';+ 2
O+)' $*' r'#'ar)*'r *a# &"r u a$'d $*' pr"8 ' a+d d'(' "p'd a r'#'ar)* d'#i7+
i+) udi+7 $*' 9u'#$i"++air', *'J#*' *a# $" d')id' 0*'$*'r $*' i+&"r a$i"+ i# $" 8'
)" ')$'d &r" a $*' p'"p ' )" pri#i+7 $*' p"pu a$i"+.T*' '$*"d u#'d &"r $*' #a p i+7 i# $*' N"+ pr"8a8i i$% #a p i+7. N"+
pr"8a8i i$% #a p i+7# ar' "& &" "0i+7 $%p'#-
1. P)/ o;+,' o/ J)8 -' * 7 ; - 7+
2. Co ,' +' (' o/ A((+8' * 7 ; - 7+
3. )o* ; - 7+
4. S o< 9 77+
Fr" $*' a8"(' '$*"d# $*' Purp"#i(' "r ud7 '+$a #a p i+7 '$*"d 0a# u#'d
&"r $*i# pr"/')$.
P)/ o;+,' S - 7+
I+ $*i# '$*"d, $*' #a p i+7 ' ' '+$# ar' #' ')$'d d' i8'ra$' %, 8a#'d "+ )'r$ai+
pr'd'$'r i+' )ri$'ria "r /ud7 '+$# "& $*' r'#'ar)*'r. I$ i# $*i# purp"#'&u #' ')$i"+ "&
' ' '+$ $*a$ 7i('# i$ $*' +a ' purp"#i(' #a p i+7 .
I p"r$a+$ $'r #-
1. Po )7 *+o - T*' p"pu a$i"+ i# $*' $"$a "& ' ' '+$# a8"u$ 0*i)* #" ' i+&"r a$i"+ i#
d'#ir'd a+d i+&'r'+)'# ar' $" 8' dra0+. P"pu a$i"+ i# $*' $ar7'$ 7r"up $" 8' #$udi'd.2. S - 7' T*' $'r #a p ' r'&'r# $" $*a$ 7r"up "& ' ' '+$ "& $*' p"pu a$i"+ #p')i&i)a %
#' ')$'d &"r #$ud%, #" a# $" &i+d "u$ #" '$*i+7 a8"u$ $*' p"pu a$i"+ &r" 0*i)* i# $a='+.
A #a p ' i# a+ i+$' i7'+$ % K d' i8'ra$' % #' ')$'d #u8-#'$ "& $*' p"pu a$i"+.
8/11/2019 Accdintal Insurance Ok
50/67
THE NEW INDIA ASSURANCE COM.LTD
3. S - 7+ / -' I$ i# $*' i#$, ap "r "$*'r #p')i&i) i+&"r a$i"+ "& $*' #a p i+7 u+i$#
$*a$ &ur+i#*'# '+"u7* d'$ai r'7ardi+7 a p"pu a$i"+ ' ' '+$ &"r a #p')i&i) #a p i+7
#)*' '. I$ i# $*' i#$ "& a #a p i+7 u+i$#. T*' #a p i+7 &ra ' i# )"+#$ru)$'d 8% $*'
r'#'ar)*'r #p')i&i)a % &"r *i# #$ud% "r a% 8' #" ' '>i#$i+7 i#$ "& $*' p"pu a$i"+.
S - 7' ;+ '
T*' #i;' "& $*' p"pu a$i"+ &r" 0*i)* $*' #a p ' i# $" 8' dra0+ d'$'r i+'# $*' #a p '
#i;' r'9uir'd &"r a r'pr'#'+$a$i(' #a p '. A #a p ' u#$ 8' # a '+"u7* $" pr'('+$ a+%
u+)a 'd )"#$# a+d ar7' '+"u7* $" i+i i;' $*' 'rr"r $" a )'r$ai+ '(' .S - 7' ;+ ' o *?+; ;*)80 +; 1%% /'; o 8' *;
:4 "& $*' #a p ' i# 0"r=i+7 i+ 8a+=# a+d 8u#i+'##.
14 "& $*' #a p ' i# 0"r=i+7 i+ pr"&'##i"+ /"8.
34 "& $*' #a p ' i# %"u+7 7'+'ra$i"+.
8/11/2019 Accdintal Insurance Ok
51/67
THE NEW INDIA ASSURANCE COM.LTD
I o/- *+o # A 70;+;
F" "0i+7 9u'#$i"+ &"r a+a %#i# "& r'#'ar)*
. D" %"u i+$'r'#$'d i+ i+('#$ '+$
A. Y'# . N",
INTERPRETESION
T"da%Q# 'a)* a+d '('r% p'r#"+, 0*" ar' d"i+7 a+d r' a$'d $" 8u#i+'##, &ar 'r,
'du)a$i"+ a+d %"u$* ar' a #" i+$'r'#$'d i+ i+('#$ '+$ p a+.
A))"rdi+7 $" % 9u'#$i"++air'# $"da% # @ $" @@ i+$'r'#$'d i+ i+('#$ '+$
p a+.
8/11/2019 Accdintal Insurance Ok
52/67
THE NEW INDIA ASSURANCE COM.LTD
1. I+ 0*i)* I+('#$ '+$ d" i=' a+d 0*%
A. NSC . FD.
C. Mu$ua Fu+d D. I+ S*ar' Mar='$
8/11/2019 Accdintal Insurance Ok
53/67
THE NEW INDIA ASSURANCE COM.LTD
INTERPRETATION
T*' : p'"p ' i+$'r'#$'d i+ NSC, 13 $" 54 p'"p ' i+$'r'#$'d i+ Fi>'d
D'p"#i$, :3 $" 63 p'"p '# ar' i+$'r'#$ i+ Mu$ua &u+d a+d S*ar' Mar='$ S)*' '#.
:. W*%
A. Ear+ M"+'% . Sa(i+7 M"+'%
8/11/2019 Accdintal Insurance Ok
54/67
THE NEW INDIA ASSURANCE COM.LTD
INTERPRETETION
64 $" @4 p'"p ' #aid u$ua &u+d i+('#$ '+$ i# a 8'$$'r 'ar+i+7 i+#$ru '+$
"$*'r# i+#$ru '+$# i=' a+=i+7 #'r(i)'# a+d p"#$ "&&i)' #'r(i)'#,
A+d i+ Udaipur r'7i"+ 34 p'"p ' i+('#$ "+'% i+ u$ua &u+d $" #a(' "+'% a+d 7'$ a
7""d &i>'d i+$'r'#$ ra$' i=' d'8$ a+d 8a a+)'d Mar='$ #)*' '#.
A+d 3 $" 14 p'"p ' #aid u$ua &u+d i# 8'#$ &"r $a> #a(i+7 a+d "$*'r# &u+)$i"+#.
8/11/2019 Accdintal Insurance Ok
55/67
THE NEW INDIA ASSURANCE COM.LTD
INTERPRETETION
I+ I+dia 0i$* i+&"r a$i"+ a+d u+a0ar' p'"p ' 'ar+ "+ % 4 $" 43 i+$'r'#$ "+
i+('#$ '+$. A+d 45 $" 4 p'"p ' 'ar+ i+ D'8$ a+d a a+)'d ar='$ #)*' '#. A+d
Ma## p'"p ' 'ar+ $" 14 i+ a a+)' a+d E9ui$% #)*' '# i+ u$ua &u+d. A+d "+ % 43
$" 4 p'"p '# 'ar+ : a+d a8"(' i+$'r'#$ i+ u$ua &u+d 8')au#' $*'#' p'r#"+ ar'
('r% a0ar' a8"u$ ar='$ a+d $i ' p'ri"d #)*' '#.
3. W*i)* $%p' "& ri#= %"u i=' i+ Mu$ua Fu+dA. Hi7* . M"d'ra$' C. L"0
8/11/2019 Accdintal Insurance Ok
56/67
THE NEW INDIA ASSURANCE COM.LTD
INTERPRETATION
I+ Udaipur r'7i"+ 63 2 @3 i+('#$"r ar' i=' $" &a)' Hi7* ri#= i+ I+('#$ '+$
#)*' '#, A+d 54 2 64 i+('#$"r i=' "d'ra$' ri#= a+d 3 2 14 ar' i=' ('r% "0 ri#=
i+ u$ua &u+d a+d "$*'r i+('#$ '+$ p a+#.
5. W*i)* $%p' "& Fu+d %"u ar' i=' i+ i+('#$ '+$ p a+A. E9ui$% Fu+d . a a+)' Fu+d
C. D'8$ Fu+d D. Li9uidi$% Fu+d
8/11/2019 Accdintal Insurance Ok
57/67
THE NEW INDIA ASSURANCE COM.LTD
INTERPRETATION
54 2 3 i+('#$"r# a+d "#$ % %"u$* i+('#$ "ur "+'% i+ E9ui$% ar='$ 8')au#'
i+ $*i# ar='$ i+('#$"r# 7'$ *i7* i+$'r'#$ ra$' r'$ur+ i=' 3 $" 3 ,
A+d 64 2 @: i+('#$"r i+('#$ "ur "+'% i+ a a+)' ar='$ 8')au#' $*i# ar='$ di(id'
i+('#$"r# "+'% i+ E9ui$% a+d D'8$ ar='$ i+ &" "0i+7 ra$i" 53 :3.A+d 13 -:3 i+('#$"r i+('#$ i+ D'8$ ar='$ 8')au#' $*i# ar='$ 8a#'d "+ 7"('r+ '+$
#')uri$i'# i=' 8"+d a+d i$# pr"(id' a &i>'d ra$' "& i+$'r'#$ ra$' #u)* a# $" 6.43 .
. I+ 0*i)* Mu$ua Fu+d H"u#'JPr"du)$ %"u 0"u d i=' $" i+('#$
A. a+=# . C"+#$ru)$i"+#
C. Ga# a+d p'$r" 'u D. P"0'r C" pa+i'#
8/11/2019 Accdintal Insurance Ok
58/67
THE NEW INDIA ASSURANCE COM.LTD
INTERPRETATION
16 -:3 p'"p ' i+('#$ i+ S'r(i)'# )" pa+i'# i=' a+=# a+d &i+a+)ia i+#$i$u$i"+,
a+d 64 a+d a8"(' i+('#$"r i=' )"+#$ru)$i"+ )" pa+i'# i=' I+&ra#$ru)$ur' )" . A+d 34 2
53 i+('#$"r# i+('#$ i+ 7a# a+d p'$r" 'u )" pa+i'# 8')au#' $*'% ar' 8a#i) 8ui di+7# "&
I+dia+ i+&ra#$ru)$ur', a+d "+ % :4 -34 i+('#$ i+ P"0'r a+d E+'r7% )" pa+i'#.
6. F"r *"0 u)* $i ' %"u )a+ pu$ %'ar %"ur "+'% i+('#$ '+$
A. L'## $*a+ %r#. . -1 %r#. C. -: %r#.
D. -3 %r#. E. M"r' $*a+ 3 %r#.
8/11/2019 Accdintal Insurance Ok
59/67
THE NEW INDIA ASSURANCE COM.LTD
INTERPRETATION
I+ Udaipur r'7i"+ i+('#$"r i+('#$ "ur "+'% &"r a8"(' $a8 ' $i ' p'ri"d #u)* a# 3
2 3 i+('#$ &"r '## $*a+ "+' %'ar, 14 -:3 i+('#$ &"r $" 1 %'ar#, 34 i+('#$"r i+('#$&"r $" : %'ar# a+d a>i u p'"p ' i+('#$ "+'% &"r $" 3 %'ar 8')au#' $*'% 0a+$ a
r' ia8 ' pr"&i$.
@. W*a$ Mu$ua Fu+d i# a 8'$$'r i+('#$ '+$ p a+ "$*'r i+('#$ '+$ p a+#
BA))"rdi+7 %"ur '>p'ri'+)'
A. Y'# . N"
8/11/2019 Accdintal Insurance Ok
60/67
8/11/2019 Accdintal Insurance Ok
61/67
THE NEW INDIA ASSURANCE COM.LTD
A("id a+% pr"8 ' # #u)* a# 8ad d' i('ri'#, d' a%'d pa% '+$# a+d u++')'##ar% &" "0
up 0i$* 8r"='r# a+d )" pa+i'#. Fu+d# #a(' %"ur $i ' a+d a=' i+('#$i+7 'a#% a+d
)"+('+i'+$.
8/11/2019 Accdintal Insurance Ok
62/67
THE NEW INDIA ASSURANCE COM.LTD
T*r"u7* &'a$ur'# #u)* a# S%#$' a$i) I+('#$ '+$ P a+# BSIP , S%#$' a$i)
Wi$*dra0a P a+# BSWP a+d di(id'+d r'i+('#$ '+$ p a+#, %"u )a+ #%#$' a$i)a % i+('#$
"r 0i$*dra0 &u+d# a))"rdi+7 $" %"ur +''d# a+d )"+('+i'+)'.
@. C*"i)' "& S)*' '#
A (ari'$% "& #)*' '# $" #ui$ %"ur (ar%i+7 +''d# "('r a i&'$i '.
8/11/2019 Accdintal Insurance Ok
63/67
THE NEW INDIA ASSURANCE COM.LTD
4. W' R'7u a$'d
A Fu+d# ar' r'7i#$'r'd 0i$* SE I a+d $*'% &u+)$i"+ 0i$*i+ $*' Pr"(i#i"+# "&
#$ri)$ r'7u a$i"+# d'#i7+'d $" pr"$')$ $*' i+$'r'#$# "& i+('#$"r#. T*' "p'ra$i"+# "& Fu+d#
ar' r'7u ar % "+i$"r'd 8% SE I.
8/11/2019 Accdintal Insurance Ok
64/67
THE NEW INDIA ASSURANCE COM.LTD
Co (7);+o
C" p'$i$i"+ 0i #ur' % )au#' $*' ar='$ $" 7r"0 8'%"+d )urr'+$ ra$'#, )r'a$' a
8i77'r pi', a+d "&&'r addi$i"+a )"+#u 'r )*"i)'# $*r"u7* $*' i+$r"du)$i"+ "& +'0
pr"du)$#, #'r(i)'#, a+d pri)' "p$i"+#. Y'$, a$ $*' #a ' $i ', pu8 i) a+d pri(a$' #')$"r
)" pa+i'# 0i 8' 0"r=i+7 $"7'$*'r $" '+#ur' *'a $*% 7r"0$* a+d d'(' "p '+$ "& $*'
#')$"r. C*a '+7'# #u)* a# d'(' "pi+7 a )" "+ i+du#$r% )"d' "& )"+du)$, )"+$ri8u$i+7
$" a )" "+ )a$a#$r"p*' r'#'r(' &u+d, a+d )*a =i+7 "u$ a7r'' '+$# 8'$0''+ i+#ur'r# $"
#'$$ ' ) ai # $" $*' 8'+'&i$ "& $*' )"+#u 'r 0i r'9uir' )"+)'r$'d '&&"r$ &r" 8"$*
#')$"r#.
T*' ar='$ i# +"0 i+ a+ '(" (i+7 p*a#' 0*'r' "+' )a+ '>p')$ a "$ "& a)$i"+# i+ )" i+7
da%#. T*' )urr'+$ i p'di '+$# &"r &"r'i7+ par$i)ipa$i"+ 2 i=' 15 '9ui$% )ap "+ &"r'i7+
par$+'r, i d'&i+'d r'7u a$"r% r" ' "& IRDA BI+#ura+)' R'7u a$"r% d'(' "p '+$.
8/11/2019 Accdintal Insurance Ok
65/67
THE NEW INDIA ASSURANCE COM.LTD
LIMITATION
Li i$a$i"+-
A i+('#$ '+$# 0*'$*'r i+ #*ar'#, d'8'+$ur'# "r d'p"#i$# i+(" (' ri#= #*ar'
(a u' a% 7" d"0+ d'p'+di+7 up"+ $*' p'r&"r a+)' "& $*' )" pa+%, $*' i+du#$r%, #$a$'
"& )api$a ar='$# a+d $*' ')"+" % 7'+'ra %, *"0'('r, "+7'r $*' $'r , '##'r $*' ri#=
)" pa+i'# a% d'&au $ i+ pa% '+$ "& i+$'r'#$Jpri+)ipa "+ $*'ir d'8'+$ur'# J8"+d#J
d'p"#i$# $*' ra$' "& i+$'r'#$ "+ a+ i+('#$ '+$ a% &a #*"r$ "& $*' ra$' "& i+& a$i"+
r'du)i+7 $*' pur)*a#i+7 p"0'r.
W*i ' ri#= )a++"$ 8' ' i i+a$'d, #=i &u a+a7' '+$ )a+ i+i i;' ri#=. Fu+d#
*' p $" r'du)' ri#= $*r"u7* di('r#i&i)a$i"+ a+d pr"&'##i"+a a+a7' '+$. T*' '>p'ri'+)'
a+d '>p'r$i#' "& Fu+d a+a7'r# i+ #' ')$i+7 &u+da '+$a % #"u+d #')uri$i'# a+d $i i+7
$*'ir pur)*a#'# a+d #a '# *' p $*' $" 8ui d a di('r#i&i'd p"r$&" i" $*a$ i+i i;'# ri#=
a+d a>i i;'# r'$ur+#.
8/11/2019 Accdintal Insurance Ok
66/67
8/11/2019 Accdintal Insurance Ok
67/67
THE NEW INDIA ASSURANCE COM.LTD