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rf}yf] tyf kf“rf}+ jflif{s k|ltj]bg @)^$÷)^% tyf @)^%÷)^^ lzv/ OG:of]/]G; s+= ln=
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Page 1: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^

rf}yf] tyf kf“rf}+ jflif{s k|ltj]bg

@)^$÷)^% tyf @)^%÷)^^

lzv/ OG:of]/]G; s+= ln=

www.shikharinsurance.com

���������������������������

Shikhar Insurance Co. Ltd.Head OfficeShikhar Biz Centre, ThapathaliP.O. Box: 11133, Kathmandu, NepalTel: 4246101, 4246102, Fax: 977-1-4246103E-mail: [email protected]

New Road BranchShiva Arcade, 2nd FloorBasantapur, New Road, KathmanduTel: 4239960, 4239961Fax: 977-1-4215799

Ekantakuna BranchEkantakuna Ringroad, Lalitpur(Infront of Yatayat Office)Tel: 5001805, Fax: 977-1-5001804

Satdobato BranchSatdobato, Lalitpur(Yatayat Office, Motorcycle)Tel: 5521814

Biratnagar BranchChandra Complex, Himalaya RoadMahendra Chowk, BiratnagarTel: 021-538390, Fax: 977-21-538391

Birgunj BranchMahabir Mandir, Main Road, BirgunjTel: 051-528181, Fax: 977-51-528088

Pokhara BranchCity Bank, 2nd Floor, Chipledhunga, PokharaTel: 061-523100, Fax: 977-61-520333

Nepalgunj BranchDhamboji, Surkhet Road, NepalgunjTel: 081-527464, Fax: 977-81-527465

Bancassurance:• Kumari Bank, New Road

• Sunrise Bank, Gairidhara

• Global Bank, Kantipath

Shikhar Biz Centre, Thapathali, P.O. Box: 11133, Kathmandu, NepalTel: 4246101, 4246102, Fax: 977-1-4246103, E-mail: [email protected]

���������������������������

Shikhar Household Insurance coversFire, Burglary, Riot, Strike, MaliciousDamage, Sabotage, Terrorism andalso other natural calamities likeFlood, Storm, Earthquake etc.

Your dream house for generations to

come. Ensure it lasts.

Think further. Think Shikhar.Household ljsf; h+uaxfb'/ /f0ff

cWoIf

k|bLk h+u kf08];+rfns

nf]d; OGe]i6d]G6 s+= k|f= ln= sf] t˚{af6

ls/0f z]v/ cdfTo;+rfns

;j{;fwf/0f z]o/wgLx?sf] t˚{af6

jL/]Gb| axfb'/ a:g]t;+rfns

a'4 Po/ k|f= ln= sf] t˚{af6

lbk k|sfz kf08]k|d'v sfo{sf/L clws[t

;]jf kf7ssDkgL ;lrj tyf

n]vf k|aGws

la= s]= cu|jfnla= s]= cu|jfn P08 s+=, rf6{8 PsfpG6]G6;\

n]vf k/LIfs

;+rfns ;ldlt

Joj:yfkg

l6= cf/= pkfWofo P08 s+=rf6{8 PsfpG6]G6;\

cfGtl/s n]vf k/LIfs

/fds[i0f lg/fnfsfg"gL ;Nnfxsf/

/fh]Gb| k|;fb >]i7;+rfns

cf+ l5/L z]kf{;+rfns

uf}/j cu|jfn;+rfns

OGb| k|;fb sdf{rfo{:jtGq ;+rfns

;ljtf df:s]gfoa dxfk|aGwsc08//fOl6·

plbt sfn]k|aGws

cg';Gwfg tyf ljsf;

al/idf cfrfo{ -;fpb_k|aGws

bfjL tyf xjfO{ aLdf

Page 2: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^

rf}yf] tyf kf“rf}+ jflif{s k|ltj]bg

@)^$÷)^% tyf @)^%÷)^^

lzv/ OG:of]/]G; s+= ln=

www.shikharinsurance.com

���������������������������

Shikhar Insurance Co. Ltd.Head OfficeShikhar Biz Centre, ThapathaliP.O. Box: 11133, Kathmandu, NepalTel: 4246101, 4246102, Fax: 977-1-4246103E-mail: [email protected]

New Road BranchShiva Arcade, 2nd FloorBasantapur, New Road, KathmanduTel: 4239960, 4239961Fax: 977-1-4215799

Ekantakuna BranchEkantakuna Ringroad, Lalitpur(Infront of Yatayat Office)Tel: 5001805, Fax: 977-1-5001804

Satdobato BranchSatdobato, Lalitpur(Yatayat Office, Motorcycle)Tel: 5521814

Biratnagar BranchChandra Complex, Himalaya RoadMahendra Chowk, BiratnagarTel: 021-538390, Fax: 977-21-538391

Birgunj BranchMahabir Mandir, Main Road, BirgunjTel: 051-528181, Fax: 977-51-528088

Pokhara BranchCity Bank, 2nd Floor, Chipledhunga, PokharaTel: 061-523100, Fax: 977-61-520333

Nepalgunj BranchDhamboji, Surkhet Road, NepalgunjTel: 081-527464, Fax: 977-81-527465

Bancassurance:• Kumari Bank, New Road

• Sunrise Bank, Gairidhara

• Global Bank, Kantipath

Shikhar Biz Centre, Thapathali, P.O. Box: 11133, Kathmandu, NepalTel: 4246101, 4246102, Fax: 977-1-4246103, E-mail: [email protected]

���������������������������

Shikhar Household Insurance coversFire, Burglary, Riot, Strike, MaliciousDamage, Sabotage, Terrorism andalso other natural calamities likeFlood, Storm, Earthquake etc.

Your dream house for generations to

c o m e . E n s u r e i t l a s t s .

Think further. Think Shikhar.Household

ljsf; h+uaxfb'/ /f0ffcWoIf

k|bLk h+u kf08];+rfns

nf]d; OGe]i6d]G6 s+= k|f= ln= sf] t˚{af6

ls/0f z]v/ cdfTo;+rfns

;j{;fwf/0f z]o/wgLx?sf] t˚{af6

jL/]Gb| axfb'/ a:g]t;+rfns

a'4 Po/ k|f= ln= sf] t˚{af6

lbk k|sfz kf08]k|d'v sfo{sf/L clws[t

;]jf kf7ssDkgL ;lrj tyf

n]vf k|aGws

la= s]= cu|jfnla= s]= cu|jfn P08 s+=, rf6{8 PsfpG6]G6;\

n]vf k/LIfs

;+rfns ;ldlt

Joj:yfkg

l6= cf/= pkfWofo P08 s+=rf6{8 PsfpG6]G6;\

cfGtl/s n]vf k/LIfs

/fds[i0f lg/fnfsfg"gL ;Nnfxsf/

/fh]Gb| k|;fb >]i7;+rfns

cf+ l5/L z]kf{;+rfns

uf}/j cu|jfn;+rfns

OGb| k|;fb sdf{rfo{:jtGq ;+rfns

;ljtf df:s]gfoa dxfk|aGwsc08//fOl6·

plbt sfn]k|aGws

cg';Gwfg tyf ljsf;

al/idf cfrfo{ -;fpb_k|aGws

bfjL tyf xjfO{ aLdf

Page 3: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^

;+rfns ;ldltsf] cf1fn]sDkgL ;lrj

!

o; sDkgLsf] ;+rfns ;ldltsf] ldlt @)^&÷)@÷)$ ut] a;]sf] %$ cf}+ a}7ssf] lg0f{ofg';f/ lgDg lnlvt

ldlt, ;do / :yfgdf lgDg k|:tfj pk/ 5n˚n u/L lg0f{o ug{ sDkgLsf] rf}yf] tyf kf“rf}+ jflif{s ;fwf/0f ;ef

a:g] ePsf]n] ;Dk"0f{ z]o/wgL dxfg'efjx¿sf] pkl:yltsf] nflu cg'/f]w 5 .

!= ldlt, ;do / :yfg M

ldlt M @)^& ;fn h]i7 @& ut] laxLaf/ -tb\g';f/ h'g !), @)!)_�.

;do M lbgsf] @M)) ah] .

:yfg M sDkgLsf] s]Gb|Lo sfof{no, lzv/ lah ;]G6/, yfkfynL .

@= 5n˚nsf ljifox¿M

s= ;+rfns ;ldltsf] tkm{af6 sDkgLsf] cWoIfHo"åf/f k]z ul/Psf] rf}yf] tyf kf“rf}+ jflif{s k|ltj]bg pk/ 5n˚n

u/L kf/Lt ug]{ af/] .

v= cf=j= @)^$÷)^% / @)^%÷)^^ sf] n]vfk/LIf0f k|ltj]bg ;lxtsf] jf;nft, gf˚f–gf]S;fg lx;fa, cfo–Joo

lx;fa tyf gub k|jfx ljj/0f pk/ 5n˚n u/L kf/Lt ug]{ af/] .

u= ;+rfns ;ldltn] k|:tfj u/] adf]lhdsf] !#=%∞ gub nfef+z :jLs[t ug]{ af/] .

3= cfly{s jif{ @)^%÷)^^ sf] nflu n]vfk/LIfssf] lgo'lQm cg'df]bg ug]{ af/] tyf cf=j= @)^^÷)^& sf nflu

n]vfk/LIfs lgo'lQm / lghsf] kfl/>lds tf]Sg] af/] .

ª= sDkgLsf] lgodfjnLsf] lgod !@ adf]lhd cfufdL rf/ jif{sf] nflu ;+:yfks ;d"x …sÚ af6 $ hgf /

;d"x …vÚ af6 @ hgf u/L hDdf ^ hgf ;+rfnsx¿sf] lgjf{rg af/] .

r= ;+rfns ;ldltsf] a}7s eQf af/] .

5= ljljw .

lzv/ OG:of]/]G; sDkgL ln= sf]rf}yf] tyf kf“rf}+ jflif{s ;fwf/0f ;ef a:g] ;DaGwL ;"rgf

Page 4: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^

@

;fwf/0f ;ef ;DaGwL hfgsf/L

!= ;efdf efu lng cfpg' x'g] dxfg'efjx¿n] k|j]z–kq jf cfgf] z]o/ k|df0f–kq k|:t't u/]kl5 dfq ;ef sIfdf

k|j]z ug{ kfOg] 5 . s'g} z]o/wgL dxfg'efjn] s'g} sf/0fjz k|j]z–kq k|fKt ug{ g;Sg' ePdf sDkgLsf] s]Gb|Lo

sfof{no, lzv/ lah ;]G6/, yfkfynL, sf7df8f}+df ;fwf/0f ;ef x'g] ldlt cufj} ;Dks{ /fVg' eO{ k|j]z kq k|fKt

ug'{ x'g cg'/f]w ul/G5 .

@= ;efdf efu lng / dtbfg ug{sf nflu k|ltlgw -k|f]S;L_ lgo'Qm ug{ rfxg] z]o/wgL dxfg'efjx¿n] k|ltlglw

-k|f]S;L_ ˚f/d ;ef x'g] lbg eGbf slDtdf $* 306f cufj} cyf{t\ @)^&÷)@÷@% ut] lbgsf] @M)) ah]leq

sDkgLsf] s]Gb|Lo sfof{nodf btf{ u/fO;Sg' kg]{5 . Ps hgf z]o/wgLn] Ps hgf eGbf a9LnfO{ k|ltlglw -k|f]S;L_

lgo'Qm ug{ ;lsg] 5}g . Ps eGbf a9L k|ltlglw -k|f]S;L_ lgo'Qm ePsf] kfOPdf ;a}eGbf klxnf sDkgLdf btf{

ePsf] k|ltlglw -k|f]S;L_ dfq dfGo x'g]5 . k|ltlglw -k|f]S;L_ lgo'Qm ul/;s] kl5 k|ltlglw -k|f]S;L_ ab/ gu/L s'g}

z]o/wgLn] ;efdf efu lng rfx]df efu lng ;Sg' x'g]5 . t/ dtbfg ug{ kfpg' x'g] 5}g .

#= gfafns jf ljIfLKt z]o/wgLx¿sf] t˚{af6 sDkgLsf] z]o/wgLx¿sf] nut lstfadf ;+/Ifssf] ¿kdf gfd btf{

ePsf] JolQmnfO{ dfq ;+/Ifssf] ¿kdf dfGotf lbOg] 5 .

$= ;+o'Qm ¿kdf /x]sf] z]o/wgLsf] xsdf z]o/wgLsf] nut lstfadf klxnf] gfd pNn]v ePsf] JolQmn] cyjf

;j{;Ddltaf6 k|ltlglw -k|f]S;L_ lgo'Qm ul/Psf] Ps hgf JolQmn] dfq ;efdf efu lng / dtbfg ug{ kfOg] 5 .

%= ;efsf] lbg ;ef z'¿ x'g' eGbf cufj} ;ef sIfdf pkl:yt eO{ lbg' x'g ;Dk"0f{ z]o/wgL dxfg'efjx¿nfO{ cg'/f]w

ul/G5 .

^= ldlt @)^& ;fn h]i7 !# ut]b]lv ;fwf/0f ;ef ;DkGg gx'Gh]n;Dd z]o/ bflvn vf/]h aGb ul/Psf] 5 .

&= sDkgLsf] ;+rfns kbsf] lgjf{rg;+u ;DalGwt ;Dk"0f{ ;"rgf Pj+ hfgsf/Lx¿ sDkgLsf] s]Gb|Lo sfof{nosf] ;"rgf

kf6Ldf 6f“; ul/g] 5 .

*= 5nkmnsf] ljifo cGtu{t ljljw zLif{s ;DaGwdf z]o/wgL dxfg'efjx¿n] 5nkmn ug{ rfxg'ePsf] ljifoaf/] @)^&

;fn h]i7 !( ut];Dd sDkgL ;lrj dfkm{t\ ;+rfns ;ldltsf] cWoIfnfO{ lnlvt hfgsf/L lbg'kg]{5 . To:tf] ljifo

;+rfns ;ldltsf] cWoIfnfO{ plrt nfu]df dfq 5nkmnsf] nflu ;dfj]z ul/g] 5 .

(= ;ef ;DaGwL cGo lj:t[t hfgsf/Lsf] nflu sDkgLsf] s]Gb|Lo sfof{no, lzv/ lah ;]G6/, yfkfynL, sf7df8f}+df,

sfof{no ;doleq ;Dks{ /fVg cg'/f]w ul/G5 .

Page 5: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^

lzv/ OG:of]/]G; sDkgL lnld6]8lzv/ lah ;]G6/, yfkfynL, kf]i6 aS; g+= !!!##, sf7df8f}+, g]kfn .

˚f]g g+= $@$^!)!, ofS; g+= (&&–!–$@$^!)#

k|j]z–kq

z]o/wgLsf] gfdM ===================================================================================================================================

z]o/wgLsf] ;xL ===========================================, z]o/ k|df0f–kq g+= ============================= z]o/ ;+VofM =================

lzv/ OG:of]/]G; sDkgL lnld6]8sf] @)^& ;fn h]i7 @& ut] laxLjf/sf lbg x'g] rf}yf] tyf kf“rf}+ jflif{s ;fwf/0f ;efdf

pkl:yt x'g hf/L ul/Psf] k|j]z–kq .

gf]6M z]o/jfnf cf }̊+n] vfnL sf]i6x¿ eg'{ xf]nf .-;ef sIfdf k|j]z ug{ of] k|j]z kq clgjfo{ ¿kdf lnO{ cfpg' x'g cg'/f]w 5 ._

>L ;+rfns ;ldlt,

lzv/ OG:of]/]G; s=ln=

yfkfynL, sf7df8f}+ .

ljifoM k|ltlglw lgo'Qm u/]sf] af/] .

dxfzo,

========================= lhNnf =========================== g=kf=÷uf=lj=;= ============================= j8f g+= ========== a:g] d÷xfdL

============================ n] To; sDkgLsf] z]o/jfnfsf] x}l;otn] @)^& ;fn h]i7 @& ut] laxLjf/sf lbg x'g] rf}yf] tyf

kf“rf}+ jflif{s ;fwf/0f ;efdf :jo+ pkl:yt eO{ 5n˚n tyf lg0f{odf ;xefuL x'g g;Sg] ePsf]n] pQm ;efdf efu lng

tyf dtbfg ug{sf nflu =============================================== lhNnf g=kf=÷uf=lj=;= ============================= j8f

g+= =========== a:g] To; sDkgLsf z]o/jfnf >L÷>LdtL=================================……………=====………========================

z]o/ k|df0f kq g+= =========================== nfO{ d]/f]÷xfd|f] k|ltlglw dgf]lgt u/L k7fPsf] 5'÷5f}+ .

b:tvtM ==============================================

lgj]bs, gfdM ========================================

7]ufgfM =================================================

k|=k=g+=÷z]o/wgL g+=M===============================

ls=g+= ====================== b]lv ===================;Dd

ldltM =====================================================

gf]6M of] lgj]bg ;fwf/0f ;ef x'g' eGbf slDtdf $* 306f cufj} sDkgLsf] s]GıLo sfof{no yfkfynL, sf7df8f}+df k]z ul/;Sg' kg]{5 ._

Page 6: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^

$

Page 7: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^

%

ljifo ;"rL -cf=j= @)^$÷)^%_

k[i7 ;+Vof

;+rfns ;ldltsf] k|ltj]bg &

n]vfk/LIfssf] k|ltj]bg !@

jf;nft !#

gf˚f–gf]S;fg lx;fa !$

OSo'l6df ePsf] kl/jt{g ;DaGwL ljj/0f !%

gub k|jfx ljj/0f !^

clUg aLdfsf] cfo–Joo ljj/0f !&

;fd'lb|s aLdfsf] cfo–Joo ljj/0f !*

df]6/ aLdfsf] cfo–Joo ljj/0f !(

OlGhgLol/· aLdfsf] cfo–Joo ljj/0f @)

xjfO{ aLdfsf] cfo–Joo ljj/0f @!

ljljw aLdfsf] cfo–Joo ljj/0f @@

cg;"rLx? @#

ljQLo ljj/0f;+u ;DalGwt k|d'v n]vf gLltx? $!

ljQLo ljj/0f;+u ;DalGwt n]vf ;DaGwL l6Kk0fLx? $$

Page 8: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^

^

ljifo ;"rL -cf=j= @)^%÷)^^_

k[i7 ;+Vof

n]vfk/LIfssf] k|ltj]bg %!

jf;nft %@

gf˚f–gf]S;fg lx;fa %#

OSo'l6df ePsf] kl/jt{g ;DaGwL ljj/0f %$

gub k|jfx ljj/0f %%

clUg aLdfsf] cfo–Joo ljj/0f %^

;fd'lb|s aLdfsf] cfo–Joo ljj/0f %&

df]6/ aLdfsf] cfo–Joo ljj/0f %*

OlGhgLol/· aLdfsf] cfo–Joo ljj/0f %(

xjfO{ aLdfsf] cfo–Joo ljj/0f ^)

ljljw aLdfsf] cfo–Joo ljj/0f ^!

cg;"rLx? ^@

ljQLo ljj/0f;+u ;DalGwt k|d'v n]vf gLltx? *)

ljQLo ljj/0f;+u ;DalGwt n]vf ;DaGwL l6Kk0fLx? *#

gf]6 **

Page 9: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^

&

cfb/0fLo z]o/wgL dxfg'efjx¿,

lzv/ OG:of]/]G; sDkgL lnld6]8sf] o; rf}yf] tyf kf“rf}+ jflif{s ;fwf/0f ;efsf] a}7sdf pkl:yt ;Dk"0f{ dxfg'efjx¿nfO{ ;+rfns;ldlt / d :j+osf] tkm{af6 xflb{s :jfut clejfbg ub{5'�. ljutsf ;fwf/0f;efx¿df z]o/wgL dxfg'efjx¿n] lbg'ePsf uxg Pj+dxŒjk"0f{ ;'emfjx¿nfO{ oyf;Dej cjnDag u/L cl3 a9\g ;+rfns ;ldlt x/;Dej k|of;/t\ /x]sf] hfgsf/L u/fp“b} cfly{s jif{@)^$÷)^% / @)^%÷)^^ sf] jf;nft, gfkmf–gf]S;fg lx;fa, tyf gub k|jfx ljj/0f ;lxtsf] jflif{s k|ltj]bg cg'df]bgsf] nflu oxf“x¿;dIf k|:t't ub{5'�.

s_ ljut jif{sf] sf/f]jf/sf] l;+xfjnf]sgMljut s]xL jif{b]lv b]zdf ljBdfg /fhgLlts cl:y/tfsf] sf/0fn] ubf{ cfly{s If]q w]/} g} k|efljt eP tfklg lghL{jg aLdf If]qdf/x]sf r'gf}tLx¿nfO{ ;fdgf ub}{ cl3 al9/x]sf] o; sDkgLn] kf“rf}+ cfly{s jif{ k"/f ug{ ;kmn ePsf] 5 . aLdf ahf/sf] k|lt:kwf{Tdsl:ylt tyf g]kfn dfq xf]Og ljZj g} cfly{s dGbLn] k|efljt /x]sf] jftfj/0fdf klg o; sDkgLn] ut cf=j= @)^%÷)^^ df¿= $@ s/f]8 #^ nfv %^ xhf/ $@% aLdfz'Ns cfh{g ug{ ;kmn ePsf] 5 . cf=j= @)^$÷)^% df ;+sng ePsf] ¿= #$ s/f]8$# nfv *# xhf/ $$ sf] t'ngfdf sl/a @# k|ltzt aLdfz'Ns j[l4 ePsf] 5 . cfgf] :yfkgfsfnsf] % jif{sf] bf}/fgdf sDkgLn]sl/a !) k|ltzt ahf/ lx:;f cf]u6\g ;kmn ePsf] 5 . ;fy} ljutsf] s]xL jif{b]lv b]zdf ljBdfg /fhgLlts cl:y/tf tyf ljZjahf/d} 5fPsf] cfly{s dGbLsf] afah'b sDkgLn] u/]sf] k|ult x]bf{ Joj:yfkgkIf nufot ;Dk"0f{ sd{rf/L tyf sDkgLnfO{ ljZjf;u/L Joj;fo ug'{ePsf u|fxs dxfg'efjx¿nfO{ wGojfb lbg rfxG5f}+ .sDkgLsf] ljut jif{sf sf/f]jf/sf] ;+lIfKt emns lgDg cg';f/ /x]sf] 5M–

lzv/ OG:of]/]G; sDkgL lnld6]8sf]rf}yf] tyf kf“rf}+ ;fwf/0f ;efdf ;+rfns ;ldltsf] tkm{af6 cWoIf

>L ljsf; h+uaxfb'/ /f0ffåf/f k|:t'tjflif{s k|ltj]bg

¿= xhf/df

!= aLdfz'Ns cfh{g #@,!!,%& #$,$#,*# & $@,#^,%^ @#@= k'gaL{dfz'Ns @%,$@,)^ @^,$*,)# $ #,@#,!^@ @@#= v'b wf/0f ^,^(,%! &,(%,*) !( !),)$,(% @&$= v'b wf/0f÷aLdfz'Ns cfh{g -∞_ @)=*% @#=!! @#=&@∞%= Jofh cfDbfgL ^*,%* &(,&# !^ !,)&,^@ #$^= Joj:yfkg vr{ #,$^,%% $,@&,^@ @# $,^*,!^ (&= Joj:yfkg vr{÷aLdfz'Ns cfh{g -∞_ !! !@ !!

qm=;+= ljj/0f cf=j= @)^#÷)^$ cf=j= @)^$÷)^% j[l4 -∞_ cf=j= @)^%÷)^^ j[l4 -∞_

sDkgLsf] cfly{s cj:yfsf] ;+lIfKt emnsM

sDkgLsf] Joj:yfkg vr{ aLdfz'Ns cfDbfgLsf] t'ngfdf cf=j= @)^#÷)^$ df !!∞, cf=j= @)^$÷)^% df !@∞ / @)^%÷)^^df !!∞ /x]sf] 5 . sDkgLsf] vr{nfO{ lgofNbf sd{rf/L;DaGwL vr{, sfof{no ef8f, Jofkf/ k|j4{g h:tf vr{df j[l4 ePsf] sf/0fn]Joj:yfkg vr{df j[l4 ePsf] b]lvG5 . xfnsf] k|lt:kwf{Tds jftfj/0fdf sd{rf/Lsf] bIftfdf j[l4 u/L lghx¿sf] dgf]an pRr /fVgtyf ahf/df k|lt:kwf{Tds ¿kdf k|:t't e} ahf/df sDkgLsf] pRr 5lj k|bfg ug{ ul/Psf o:tf vr{x¿n] bL3{sfnLg ¿kdfsDkgLnfO{ /fd|} k|ltkmn k|fKt x'g] ljZjf; lnPsf 5f}+ . ;fy} sDkgLn] sd{rf/L tflnd, hgr]tgf clej[l4, sd{rf/L pkbfg, ljbfnufot zfvf sfof{nox¿sf] Ifdtfdf j[l4 ug{ ul/Psf vr{x¿n] klg Joj:yfkg vr{sf] j[l4df of]ubfg k'¥ofPsf] 5 . cfufdLlbgx¿df cfjZostf cg';f/ oL vr{x¿nfO{ pkof]u u/L sDkgLnfO{ /fd|f] k|ltkmn k|bfg ug{ xfdL k|of;/t\ 5f}+ .

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*

qm=;+=cf=j= @)^$÷)^% cf=j= @)^#÷)^$

s'n bfjL Joj:yfkgtyf km5Øf}{6

s'n bfjL Joj:yfkgtyf km5Øf}{6

v'b bfjL v'b bfjLbfjL

!= clUg aLdf #$,!),&^# &,)@,#$& $%,&$,)($ !$,$),&&!

@= ;fd'lıs aLdf !,!),@%,($# !^,)^,@!% $$,*%,#)$ %,#&,!*%

#= df]6/ aLdf $,%^,#(,(@! #,#$,^$,^@# !,^@,@#,$&( !,)*,#(,@@*

$= OlGhgLol/¨ aLdf *@,#*,%!^ #,^%,($@ ^,^$,@&@ &),*!(

%= xjfO{ aLdf (,@&,@(,^!! &,!%,@&! !@,(!,(),^@! $,&@,&*&

^= ljljw aLdf @,^),$*,*!! %%,@(,(&( !,)!,@%,(@! @%,&^,@(&

hDdf !*,&),(#,%^% $,@#,*$,#&& !^,%@,^#,^(@ !,%(,#&,)*&

v'b aLdfz'Ns cfDbfgL —����� &,(%,*),)$& —����� ^,^(,%!,&!#

v'b aLdfz'Nsdf bfjL e'QmfgL ∞ —����� %#=@^∞ —������ @#=*)∞

ljut jif{sf bfjL ;DaGwL ljj/0f lgDg cg';f/ /x]sf] 5M–

qm=;+=cf=j= @)^%÷)^^ cf=j= @)^$÷)^%

s'n bfjL Joj:yfkgtyf km5Øf}{6

s'n bfjL Joj:yfkgtyf km5Øf}{6

v'b bfjL v'b bfjLbfjL

!= clUg aLdf %@,$%,!$% @,@#,*%@ #$,!),&^# &,)@,#$&

@= ;fd'lıs aLdf $&,!),%#) *,#^,$#$ !,!),@%,($# !^,)^,@!%

#= df]6/ aLdf $,@@,&#,(@^ @,%!,(!,)$@ $,%^,#(,(@! #,#$,^$,^@#

$= OlGhgLol/¨ aLdf !&,%$,$&! !,@@,*(* *@,#*,%!^ #,^%,($@

%= xjfO{ aLdf @$,(%,^!,*$$ %,$#,()# (,@&,@(,^!! &,!%,@&!

^= ljljw aLdf @,&!,^^,^#) %#,!@,(^$ @,^),$*,*!! %%,@(,(&(

hDdf ##,)&,!@,%$^ #,@@,#!,)(# !*,&),(#,%^% $,@#,*$,#&&

v'b aLdfz'Ns cfDbfgL —����� !),)$,($,%(! —����� &,(%,*),)$^

v'b aLdfz'Nsdf bfjL e'QmfgL ∞ —����� #@=)&∞ —����� %#=@^∞

sDkgLåf/f e'Qmfg ul/Psf bfjLsf] sf/0fn] g} hgdfg;df sDkgLk|ltsf] ljZjf; a9]sf] tYonfO{ Wofg /fvL km5\of}{6 k|lqmofnfO{ ;/n,r':t / emGem6 d'Qm agfpg sDkgL tTk/ 5 .

z]o/wgL dxfg'efjx¿,

v'b aLdfz'Ns cfDbfgLsf] t'ngfdf bfjL e'QmfgLsf] cg'kft cl3Nnf] cfly{s jif{sf] t'ngfdf o; jif{ sd eP tfklg c;dfKt hf]lvdhu]8fsf] a[l4sf] sf/0fn] d'gfkmf ;dfg'kflts ¿kdf a9\g ;s]sf] b]lv+b}g . o;af6 sDkgL ljutsf cfly{s jif{x¿df hDdf¿= ! ca{ @@ s/f]8 (( nfv $% xhf/ @^^ s'n bfjL km5Øf}{6 ug{ ;Ifd ePsf] 5�. o;n] sDkgLsf] ljZj;gLotf j[l4 ug{dflgs} 7"nf] e"ldsf v]n]sf] dx;"; u/]sf 5f}�.

o; jif{ sDkgLsf] cfg} vl/b ul/Psf] hUufdf ejg lgdf{0fdf xfn;Dd ¿= & s/f]8 ^^ nfv $& xhf/ @%$ vr{ ePsf] 5 .ejg lgdf{0f sfo{df ePsf] vr{n] ubf{ sDkgLn] ljleGg a}+s, ljQLo ;+:yfdf lgIf]k tyf ;'/If0fdf w]/} nufgL ug{ g;s] tfklgcf=j= @)^$÷)^% df ¿ !% s/f]8 *! nfv !^ xhf/ !!$ / cf=j= @)^%÷)^^ df ¿= !% s/f]8 *! nfv ^& xhf/ @#@ nufgLug{ sDkgL ;Ifd ePsf] 5 . lgodfg';f/ /flvPsf] c;dfKt hf]lvd hu]8f tyf cGo hu]8f sf]ifdf hDdf ePsf] /sd x]bf{ sDkgL;'b[9 cj:yfdf /x]sf] b]lvG5 . sDkgLn] u/]sf] d'gfkmfaf6 !#=%∞ nfef+zsf] ;d]t k|:tfj ul/Psf] 5 .

/fh:jdf of]ubfg M;fljs jif{df h:t} sDkgLn] b'O{ cfly{s jif{df klg ljleGg zLif{s cGtu{t ¿= !# s/f]8eGbf a9L /sd /fh:j bflvnf u/L b]zsf]cy{tGqdf 6]jf k'¥ofpg d2t u/]sf] 5�. ;+:yfut ;''–zf;gdf ljZjf; /fVg] sDkgLsf] x}l;otn] b]zsf] kl/jlt{t /fhgLlts cj:yfdf;/sf/af6 aLdf;DaGwL gLltnfO{ kl/dfh{g u/L :jb]zL sDkgLx¿ klg cGo ljb]zL aLDff sDkgLx¿;+u k|lt:kwf{df pqg ;Sg]jftfj/0f lgdf{0f x'g] ck]Iff /fv]sf 5f}+�.

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v_ /fli6«o tyf cGt/f{li6«o kl/l:yltaf6 sDkgLsf] sf/f]jf/df k/]sf] c;/M/fi6«sf] zflGt ;'/Iffdf vf;} ;'wf/ x'g g;s]sf]n] b]zsf] cy{tGq, ljQLo If]q, pBf]u / jfl0fHo If]q nufot xf]6n, oftfoft, ko{6gtyf cGo If]qx¿df k/]sf] k|lts"n k|efjn] xfd|f] Joj;fonfO{ klg c;/ kf/]sf] 5 . xfn;Dd klg g]kfndf ;+ljwfg;efåf/f ;+ljwfglgdf{0f x'g g;s]sf] jftfj/0fdf /fi6«sf] zflGt ;'/Iffsf] cj:yf ;sf/fTds gb]lvPsfn] aLdf Joj;fosf] If]qdf k|ToIf ¿kdf c;/kg'{ :jefljs g} xf] . /fli6«o tyf cGt/f{li6«o If]qdf b]lvPsf] cfly{s dGbL / a}+sx¿df b]lvPsf] t/ntfsf] cefjn] ubf{ klg aLdfJoj;fodf k|ToIf ¿kdf c;/ k/]sf] g} 5 .

u_ k|ltj]bg tof/ ePsf] ldlt;Dd rfn' jif{sf] pknlAw / eljiodf ug'{kg]{ s'/fsf] ;DaGwdf ;+rfns ;ldltsf] wf/0ffMcl3Nnf] cf=j= @)^%÷)^^ sf] >fj0fb]lv r}q d;fGt;Dd ¿= @! s/f]8 !% nfv %% xhf/ *% dfq aLdfz'Ns /sd ;+sng ePsf]dfcf=j= @)^^.)^& sf] ;f]xL cjlwdf ¿= #( s/f]8 @^ nfv *# xhf/ *(& eGbf a9L aLdfz'Ns cfh{g eO;s]sf] 5 h;nfO{ xfdLn]pT;fxk|b dfg]sf 5f}�. a}+ls¨ If]qsf u|fxsx¿sf nflu a}+s c:of]/]G; aLdf ;+rfng u/L o; sDkgLsf sd{rf/Lx¿nfO{ g} ljleGga}+sx¿df /fVg] Joj:yf u/L u|fxsx¿nfO{ ;]jf k|bfg ug{ ;kmn ePsf 5f}+ eg] xfn} ul/Psf] g]kfn ;/sf/sf] lg0f{o cg';f/ t];|f]kIf aLdf clgjfo{ ePkl5 aLdf sDkgLx¿sf] nflu ;jf/L;fwg aLdfz'Ns cfDbfgLsf] /fd|f] ;|f]t dflgP tfklg t];|f] kIf bfloTj klgclt g} a9]sf] sf/0fn] ubf{ vf;} cfsif{s aGg ;s]sf] 5}g .

3/ hUufMsDkgLsf] yfkfynLl:yt sfof{no ejg lgdf{0f sfo{ clGtd r/0fdf k'lu;s]sf] 5 . @)^^ ;fn r}q dlxgfb]lv o; sDkgLn] cfgf]k|d'v sfof{nosf] sfo{ o;} gof“ ejgaf6 ;+rfng ub}{ cfPsf] Joxf]/f oxf“x¿nfO{ hfgsf/L u/fpg rfxG5' . sDkgLsf] o; ejglgdf{0f sfo{ ubf{ sDkgLsf] :yfloTj, sd{rf/Lsf] dgf]jn, u|fxsx¿sf] sDkgLk|ltsf] ljZj;gLotf tyf nufgLstf{x¿nfO{ /fd|f] k|ltkmnk|fKt x'g] ljZjf; lnPsf 5f}+ . ;fy} o;df ePsf] nufgLaf6 bL3{sfnLg ¿kdf sDkgLnfO{ /fd|} k|ltkmn k|fKt x'g] ljZjf; lnPsf 5f}+ .

zfvf lj:tf/MsDkgLn] ;]jf lj:tf/sf] qmdnfO{ lg/Gt/tf lbgsf] nflu ljleGg jfl0fHo a}+s;“u ;Demf}tf ub}{ “Bank Assurance” df]8]n dfk{mtu|fxsx¿nfO{ l56f] 5l/tf] / e/kbf]{ ;]jf k|bfg ug]{ of]hgf lnO{ cufl8 a9]sf] 5 . xfn;Dd sDkgLn] ;g/fOh a}+s, s'df/L a}+s tyfUnf]an a}+s h:tf jfl0fHo a}+sx¿af6 ;]jf k|bfg ub}{ cfO/x]sf] 5 . o; sDkgLn] rfn' cfly{s jif{df nlntk'/ lhNnfsf] ;ftbf]af6f]tyf PsfGts'gfdf zfvf ;+rfng u/]sf] 5 .

sd{rf/Lx¿sf] lgo'lQm, a9'jf Pj+ tflndMsDkgLn] cfgf sd{rf/Lx¿sf] sfo{bIftf clej[l4 ug{ ljleGg k|sf/sf k|lzIf0f Pj+ tflnd k|bfg u/L sfo{ cg'ej Pj+ tflndsf]cfwf/df ;DalGwt ljefudf sd{rf/Lx¿nfO{ kb:yfkg u/fO{ Joj;fo cl3 a9fp“b} cfPsf] 5�. sDkgLn] sd{rf/Lx¿sf] sfo{s'zntfPj+ cg'ejsf] cfwf/df lgoldt tna a[l4, a9'jf / cfjZostf cg';f/ ljefuLo x]/k]m/ tyf gof“ lgo'lQm ;d]t u/]sf] 5�. sd{rf/Lx¿k|ltsDkgLn] u/]sf] nufgL cg'¿k cfufdL lbgdf cfOkg{;Sg] h:tf];'s} r'gf}tLx¿ ;fdgf ug{ sd{rf/Lx¿ ;kmn x'g]df xfdL ljZj:t/x]sf 5f}+ . sd{rf/Lx¿nfO{ aLdf;DaGwL lj:t[t 1fgsf] nflu cfjZostf cg';f/ k|lzIf0f Pj+ tflndsf] nflu ljb]zdf k7fpg] sfo{nfO{lg/Gt/tf lbPsf 5f}+ .

3_ cf}Bf]lus Pj+ Jofj;flos ;DaGwMb]zsf ljleGg jfl0fHo a}+sx¿, Po/nfOG;x¿, dfp06]lgol/+u÷6]«ls¨ Ph]G;Lx¿, pBf]u Jofkf/ tyf ljleGg sfof{no / JolQmx¿;+uo; sDkgLsf] Jofj;flos ;DaGw /x]sf] 5�. sDkgLsf] ;+rfns ;ldltsf kbflwsf/L, sDkgLsf Joj:yfks Pj+ sd{rf/Lx¿dfk{mtcfgf] ;fljs tyf ;DefJo u|fxsx¿;+u klg Jofj;flos ;DaGwnfO{ lg/Gt/ ¿kdf ;'dw'/ ;DaGw /fVg ;Ifd ePsf 5f}+�. sDkgLn]cfGtl/s ¿kdf klg cGo aLdf sDkgLx¿;+u k'gaL{df cfbfg–k|bfg ub}{ Jofj;flos ;DaGwnfO{ lg/Gt/tf lbO/x]sf] hfgsf/L u/fp“b5f}�.sDkgLleq klg sDkgL Joj:yfkgn] lgoldt ¿kdf ;Dk"0f{ sd{rf/Lx¿sf] a}7s /fvL sd{rf/Lx¿sf ;d:of Pj+ u'gf;fx¿sf] pko'Qm;dfwfg ug{ cfjZos Joj:yf ldnfpg] u/]sf] 5 . h;n] ubf{ sDkgL Joj:yfkg / sd{rf/Lx¿aLr cToGt ;'dw'/ ;DaGw sfod/x]sf] dx;"; u/]sf 5f}�.

ª_ ;+rfns ;ldltdf ePsf] x]/km]/ / ;f]sf] sf/0fM

;+rfns ;ldltdf aLdf ;DaGwL nfdf] cg'ej k|fKt >L OGb| k|;fb sdf{rfo{Ho" :jtGq ;+rfnssf] ¿kdf lgo'Qm x'g'ePsf] 5 . ;f]jfx]s ;+rfns ;ldltdf s'g} kl/jt{g ePsf] 5}g . sDkgLsf] …sÚ / …vÚ ;d"xsf ;+rfnsx¿sf] ;dofjlw klg ;dfKt x'g] ePsf]x'“bf cfh} lgjf{rg sfo{ klg /x]sf] 5 .

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r_ sf/f]jf/nfO{ c;/ kfg]{ d'Vo s'/fx¿Mg]kfn ljZj Jofkf/ ;+u7gdf k|j]z u/]sf] kl/k|]Iodf ;f]xL cg'¿k aLdf Joj;fo ;DaGwL sf/f]jf/ klg k|lt:kwL{ x'g] / gof“–gof“r'gf}tLx¿ ylkg' :jefljs g} xf] . o:tf k|lt:kwf{ / r'gf}tLx¿nfO{ ;Ifd ¿kdf ;fdgf u/L Joj;fo ug{ o; sDkgLsf sd{rf/Lx¿nfO{cfjZostfg';f/ tflnd lbO ;Ifd agfO/x]sf 5f}+ . ;fy} o; kl/l:yltdf cGo d'n'ssf ax'/fli6«o sDkgLsf] k|j]z x'g;Sg] tYonfO{cfTd;ft u/L xfd|f] sDkgLnfO{ cem b/f] Pj+ k|efjsf/L agfpg Merger tyf Acquisition sf] cjwf/0ff cg'¿k cufl8 a9\g cfjZos/0fgLlt ;DaGwL cWoog u/L g} /x]sf] Joxf]/f cjut u/fpg rfxG5f}+ .

5_ n]vfk/LIf0f k|ltj]bgdf s}lkmot k|;·Mcfly{s jif{ @)^$÷)^% / @)^%÷)^^ sf] n]vfk/LIf0f k|ltj]bgdf n]vfk/LIfsaf6 s'g} k|lts"n s}lkmot gePsf] z]o/wgL dxfg'efjx¿dfhfgsf/Lsf] nflu cg'/f]w ub{5f}+�.

h_ nfef+zMsDkgLsf] ;+rfns ;ldltn] cfly{s jif{ @)^%÷^^ sf] nflu k|lt z]o/ ¿= !#=%∞ sf b/n] nfef+z e'QmfgL lbg] l;kmfl/; ul/Psf]5�. cfhsf] ;efåf/f k|:tfljt nfef+z cg'df]bg x'g] cfzf /fv]sf] 5' .

em_ z]o/ hkmt ;DaGwLMsDkgLn] s'g} z]o/ hkmt gu/]sf] Joxf]/f z]o/wgL dxfg'efjx¿df hfgsf/L u/fp“b5f}+�.

`_ ljut cfly{s jif{df sDkgL / o;sf] ;xfos sDkgLsf] sf/f]jf/sf] k|ult / ;f] cfly{s jif{sf] cGTodf /x]sf] l:yltsf]k'g/fjnf]sgMo; sDkgLsf] s'g} ;xfos sDkgL g/x]sf] Joxf]/f hfgsf/L u/fp“b5f}+�.

6_ sDkgL tyf To;sf] ;xfos sDkgLn] cfly{s jif{df ;DkGg u/]sf] k|d'v sf/f]jf/x¿ / ;f] cjlwdf sDkgLsf] sf/f]jf/df

cfPsf] s'g} dxŒjk"0f{ kl/jt{gMo; sDkgLsf] sf/f]jf/df s'g} dxŒjk"0f{ kl/jt{g ePsf] 5}g�.

7_ ljut cfly{s jif{df sDkgLsf] cfwf/e"t z]o/wgLx¿n] sDkgLnfO{ pknAw u/fPsf] hfgsf/LMsDkgLnfO{ z]o/wgLx¿af6 s'g} hfgsf/L k|fKt gePsf] Joxf]/f cjut u/fp“b5f}+�.

8_ ljut cfly{s jif{df sDkgLsf ;+rfns tyf kbflwsf/Lx¿n] lnPsf] z]o/sf] :jfldTjsf] ljj/0f / sDkgLsf]z]o/ sf/f]jf/df lghx¿ ;+nUg /x]sf] eP ;f] ;DaGwdf lghx¿af6 sDkgLn] k|fKt u/]sf] hfgsf/LMsDkgLsf] z]o/ sf/f]jf/df s'g} klg ;+rfns ;+nUg gx'g'ePsf] Joxf]/f hfgsf/L u/fp“b5f}+�.

9_ ljut cfly{s jif{df sDkgL;+u ;DalGwt ;Demf}tfx¿df s'g} ;+rfns tyf lghsf] glhssf] gft]bf/sf] JolQmut :jfy{sf] af/]dfpknAw u/fOPsf] hfgsf/Lsf] Joxf]/fMsDkgLsf ;+rfns tyf lghsf] glhssf] gft]bf/x¿;+u sDkgL;+u ;DalGwt s'g} klg ;Demf}tfx¿df :jfy{ g/x]sf] Joxf]/f cjutu/fp“b5f}+�.

0f_ sDkgLn] cfgf] z]o/ cfkm}+n] v/Lb u/]sf] eP To;/L cfgf] z]o/ v/Lb ug'{sf] sf/0f, To:tf] z]o/sf] ;+Vof / c+lst d"Notyf To;/L z]o/ v/Lb u/]afkt sDkgLn] e'QmfgL u/]sf] /sdMsDkgLn] cfgf] z]o/ cfkm}+n] vl/b gu/]sf] Joxf]/f hfgsf/L u/fp“b5f}+�.

t_ cfGtl/s lgoGq0f k|0ffnL eP jf gePsf] / ePsf] eP ;f]sf] lj:t[t ljj/0fMcfGtl/s lgoGq0f k|0ffnLnfO{ ;'b[9 ug{ lgoldt cfGtl/s n]vfk/LIf0f eO/x]sf] / ;f]af6 k|fKt ;'emfjx¿sf] cfwf/df n]vfk|0ffnL;'b[9 u/fp“b} nluPsf] 5�. sDkgLsf ;Dk"0f{ sfd sf/jfxLx¿ sDkgLsf] k|aGw–kq, lgodfjnL / To; cGtu{t ag]sf ljleGgljlgodfjnLx¿ -h:t} sd{rf/L ;]jf zt{;DaGwL ljlgod, cfly{s k|zf;g;DaGwL lgod_ sf] cfwf/df u/L cfGtl/s lgoGq0f k|0ffnLnfO{cem k|efjsf/L agfp“b} nluPsf] 5�. ;fy} sDkgLn] k|of]udf NofPsf] ælk|ldof ;6j]o/Æn] ubf{ klg cfGtl/s lgoGq0f k|0ffnL ce}+m;kmn ag]sf] 5 .sDkgLsf] cfGtl/s lgoGq0f k|0ffnLnfO{ k|efjsf/L agfpg bfjL pk;ldlt, nufgL pk;ldlt tyf n]vf pk;ldltx¿ u/L # j6fpk–;ldltx¿ u7g ul/Psf] 5 .

y_ ljut cfly{s jif{sf] s'n Joj:yfkg vr{sf] ljj/0fMljut cfly{s jif{sf] s'n Joj:yfkg vr{sf] ljj/0f o; k|ltj]bgsf] cg';"rL …%Ú df pNn]v ul/Psf] 5�.

Page 13: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^

!!

;+rfns ;ldltsf] tkm{af6ljsf; h+uaxfb'/ /f0ff

cWoIf

b_ n]vfk/LIf0f ;ldltsf ;b:ox¿sf] gfdfjnL, lghx¿n] k|fKt u/]sf] kfl/>lds, eQf tyf ;'lawf, ;f] ;ldltn] u/]sf] sfdsf/jfxLsf] ljj/0f / ;f] ;ldltn] s'g} ;'emfj lbPsf] eP ;f]sf] ljj/0fMn]vfk/LIf0f ;ldltsf] cWoIfdf ;+rfns >L uf}/j cu|jfn / ;b:ox¿df ;+rfns >L /fh]Gb|k|;fb >]i7 / ls/0f z]v/ cdfTo /xg'ePsf]5�. n]vfk/LIf0f ;ldltsf] a}7sdf pkl:yt x'g'x'g] ;b:ox¿nfO{ ;+rfns ;ldltsf] a}7s eQf ;/x eQf k|bfg ul/g] ul/Psf] 5�.n]vfk/LIf0f ;ldltn] sDkgL P]gsf] Joj:yf adf]lhd /xL ;+rfns ;ldltnfO{ cfjZos ;'emfj lbO{ ;xof]u k'¥ofp“b} cfPsf] 5�.

w_ ;+rfns, k|aGw ;+rfns, sfo{sf/L k|d'v, sDkgLsf cfwf/e"t z]o/wgL jf lghsf] glhssf gft]bf/ jf lgh ;+nUg /x]sf]kmd{, sDkgL jf ;+ul7t ;+:yfn] sDkgLnfO{ s'g} /sd a'emfpg af“sL eP ;f] s'/fMsDkgLnfO{ To:tf] s'g} klg /sd a'emfpg af“sL g/x]sf] Joxf]/f hfgsf/L u/fp“b5f}+ .

g_ ;+rfns, k|aGw ;+rfns, sfo{sf/L k|d'v tyf kbflwsf/Lx¿nfO{ e'QmfgL ul/Psf] kfl/>lds, eQf tyf ;'ljwfsf] /sdM

sfo{sf/L k|d'v, gfoj dxfk|aGws tyf cGo tLg hgf k|aGwsx¿nfO{ lgodfg';f/ ;'ljwfdf uf8L, OGwg tyf dd{t ;Def/ ;'lawf

k|bfg ul/Psf] 5�.

k_ z]o/wgLx¿n] a'lemlng af“sL /x]sf] nfef+zsf] /sdMcf=j= @)^#÷)^$ df nfef+z ljt/0f afkt 5'6\ofOPsf /sd ¿= $ nfv @# xhf/ (#* xfn;Dd ljt/0f x'g af“sL 5 .

km_ bkmf !$! adf]lhd ;DklQ vl/b jf laqmL u/]sf] s'/fsf] ljj/0fMo; sDkgLn] cfgf] sd{rf/LnfO{ Own your vehicle scheme cGtu{t v/Lb u/]sf] uf8L ;f]xL scheme cGtu{t /xL sDkgLsf;DalGwt sd{rf/Lsf] gfp“df gfd;f/L ul/lbPsf] 5 . pQm Joxf]/f cg';"rL !& df hgfOPsf] 5 .

a_ bkmf !&% adf]lhd ;Da4 sDkgLaLr ePsf] sf/f]jf/sf] ljj/0fMo; sDkgLsf] ;xfos sDkgL klg gePsf] / of] sDkgL s'g} d'Vo sDkgLsf] ;xfos sDkgL klg gePsf] x'“bf pk/f]Qm bkmfdf pNn]veP adf]lhd s'g} sf/f]jf/ gePsf] hfgsf/L u/fp“b5f}+�.

e_ o; P]g tyf k|rlnt sfg"g adf]lhd ;+rfns ;ldltsf] k|ltj]bgdf v'nfpg' kg]{ cGo s'g} s'/fMcfjZos ;Dk"0f{ s'/fx¿ v'nfO;lsPsf] x'“bf v'nfpg af“sL s]xL g/x]sf] Joxf]/f hfgsf/L u/fp“b5'�.

d_ cGo cfjZos s'/fM!_ n]vfk/LIfs lgo'lQmsf] nflu l;kmfl/;M

;+rfns ;ldltn] cf=j= @)^^÷)^& sf nflu n]vfk/LIfs >L la=s]= cu|jfn P08 sDkgL, rf6{8{ PsfpG6]G6\; of]Uox'g'ePsf]n] lgo'lQmsf] nflu l;kmfl/; ul/Psf] 5�.

wGojfb 1fkg MsDkgL ;'rf? ¿kn] ;+rfngsf] nflu cljlR5Gg ¿kdf ;xof]u k'¥ofpg' x'g] z]o/wgL dxfg'efj, ljleGg ;/sf/L lgsfo, aLdf ;ldlt,

cfsl:ds aLdf sf]if g]kfn, g]kfn lwtf]kq ljlgdo ahf/ lnld6]8, g]kfn lwtf]kq af]8{, g]kfn /fi6« a}+s tyf cGo jfl0fHo a}+s Pj+ ljQLo;+:yfx¿, aLdf tyf k'gaL{df sDkgL, a|f]s/, ;e]{o/ tyf aLdf clestf{ nufot ;Dk"0f{ z'e]R5'sx¿df ;+rfns ;ldltsf tkm{af6 cfef/Pj+ wGojfb 1fkg ub{5f} . sDkgLsf] lxt;+u ;DalGwt x/]s sfo{df cljl5Gg ;]jf k|bfg u/L cl3 a9\g' x'g] ;a} txsf sd{rf/Lx¿nfO{wGojfb 1fkg ub}{ lghx¿sf] k|ltaåtf / ;dk{0fnfO{ ;+rfns ;ldltsf] tk{maf6 sb/ Pj+ k|z+;f ug{ rfxG5f} . sDkgLnfO{ ljZjf; u/Llg/Gt/ ;]jfsf] cj;/ k|bfg ug'{x'g] xfd|f ;Dk"0f{ u|fxsuju{k|lt ljz]if s[t1tf 1fkg ub{5f} . cGTodf sDkgLsf z]o/wgL dxfg'efjx¿af6;efsf] sfo{;"rL adf]lhdsf k|:tfjx¿ pk/ 5nkmn u/L :jLs[t ug'{x'g]5 . cGTodf pkl:yt dxfg'efjx¿nfO{ ;xof]u Pj+ ;lqmo;xeflutfsf] nflu wGojfb 1fkg ub}{ cfufdL lbgdf klg lg/Gt/ ;xof]u tyf z'e]R5f k|fKt eO/xg] cfzf / ljZjf;sf ;fy of] k|ltj]bg6'+Uofpg] cg'dlt rfxG5' .

wGojfb ⁄

Page 14: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^

!@

lzv/ OG:of]/]G; sDkgL lnld6]8sf z]o/wgL dxfg'efjx¿ ;dIfcf=j= @)^$÷)^% sf] n]vfk/LIfssf] k|ltj]bg

!= xfdLn] >L lzv/ OG:of]/]G; sDkgL lnld6]8sf] cfiff9 #!, @)^% sf] jf;nft, ;f] ldltdf ;dfKt ePsf] cfly{s jif{sf]gfkmf–gf]S;fg lx;fa tyf gub k|jfx ljj/0fsf] n]vfk/LIf0f ;DkGg u/]sf 5f}+�. ljQLo ljj/0fx¿k|ltsf] pQ/bfloTj sDkgLsf]Joj:yfkgdf /x]sf] 5�. tL ljQLo ljj/0fx¿ pk/ n]vfk/LIf0fsf] cfwf/df cfgf] dGtJo hf/L ug'{ xfd|f] pQ/bfloTj xf]�.

@= g]kfnsf] n]vfk/LIf0f dfg tyf k|rlnt n]vfk/LIf0f l;4fGtsf] cfwf/df n]vfk/LIf0f ;DkGg ul/Psf] 5�. ljQLo ljj/0f ;f/e"t¿kdf unt cf“s8f /lxt 5 eGg] s'/fdf ljZj:t x'gsf nflu tL n]vfk/LIf0f dfg tyf l;4fGt cg';f/ n]vfk/LIf0f of]hgftof/ u/L tb\g';f/ n]vfk/LIf0f ;DkGg ug'{ kb{5�. ljQLo ljj/0fdf pNn]lvt /sd / v'nfOPsf cGo ljj/0fnfO{ k'i6\ofO{+ug]{ k|df0fsf] 58\s] k/LIf0f ;d]t n]vfk/LIf0fdf ;dfj]z x'G5�. sDkgLn] cjnDag u/]sf] n]vf l;4fGt, Joj:yfkgn] u/]sfdxŒjk"0f{ cg'dfg Pj+ ljQLo ljj/0f k|:t'tLsf] ;du| l:yltsf] d"Nof°g klg n]vfk/LIf0fdf ;dfj]z x'G5�. n]vfk/LIf0fsf]xfd|f] dGtJonfO{ kof{Kt cfwf/ k|bfg ug]{ s'/fdf xfdL ljZj:t 5f}+�.

#= pk/f]Qm cg';f/ ljQLo ljj/0fsf] k/LIf0f u/L b]xfo adf]lhd k|:t't u/]sf 5f}+M–

-s_ xfdLn] n]vfk/LIf0fsf] l;nl;nfdf cfjZos 7fg]sf ;a} ;"rgf / :ki6Ls/0fx¿ kfof}+�.

-v_ ;+nUg jf;nft, gfkmf–gf]S;fg lx;fa sDkgLn] /fv]sf lx;fa lstfa;+u b'¿:t /x]sf 5g\�.

-u_ sDkgLn] cfgf] lx;fa lstfa k|rlnt sfg"g / k|rng cg';f/ 7Ls;+u /fv]sf] 5�.

-3_ xfdLn] k|fKt u/]sf] ;"rgf Pj+ xfdLnfO{ lbOPsf]] :ki6Ls/0f tyf sDkgLsf] ;+rfns ;ldlt jf sDkgLsf s'g} sd{rf/Ln]sfg"gL Joj:yf ljk/Lt sfd u/]sf] jf sDkgLnfO{ k|ToIf xflg–gf]S;fgL u/]sf] jf lxgfldgf u/]sf] jf o;sf aLldtx¿sf]lxt / ;'/Iff la¿4 sfd u/]sf] xfd|f] hfgsf/Ldf cfPg�.

-ª_ sDkgLsf] sf/f]af/ ;Gtf]ifhgs ¿kdf ;+rfng ePsf] / sDkgLsf] clVtof/Lleq /x]sf kfof}+�.

$= xfdLn] kfP;Ddsf] ;"rgf Pj+ xfdLnfO{ lbOPsf] :ki6Ls/0f tyf ;+nUg n]vf gLltx¿ / n]vf ;DaGwL l6Kk0fLnfO{ ;fy} cWoogubf{M

-s_ jf;nftn] sDkgLsf] cfiff9 #!, @)^% sf] cfly{s cj:yf,

-v_ gfkmf–gf]S;fg lx;fan] pQm ldltdf ;dfKt cjlwsf] ;+rfng glthf, tyf

-u_ gub k|jfx ljj/0fn] pQm ldltdf ;dfKt cjlwsf] gub k|jfxsf] plrt tyf oyfy{ l:ylt lrq0f ub{5�.

%= ldlt @)^^÷)!÷#) df xfdLn] n]vfk/LIf0f k|ltj]bg k]z u/]sf]df aLdf ;ldltsf] lgb]{zg cg';f/ c;'n x'g af“sL aLdfz'Nscf;fdL tyf xjfO{ aLdf afkt ¿= #,)*,&^,#$$.)) sf] Joj:yf ul/Psf] 5 . pQm Joj:yf ul/Psf] ;Dk"0f{ /sd xfn;Ddpl7;s]sf] 5 .

ldltM @)^^÷!!÷)#

:yfgM sf7df8f}+, g]kfn

k|tfk k|;fb k|wfglk= lk= k|wfg P08 sDkgL

rf6{8{ PsfpG6]06\;

■ Sanepa, LalitpurP.O.Box 3242Kathmandu, Nepal

■ Tel : 977-1-5551126Fax : 977-1-5532878E-mail : [email protected]

PP Pradhan & Co.Chartered Accountants

Page 15: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^

!#

lzv/ OG:of]/]G; sDkgL lnld6]8cf=j= @)^$÷)^% sf] jf;nft

qm=;+= ljj/0f cg';"rL o; jif{ ut jif{

;|f]t!= r'Qmf k"“hL !# !@,%),)),))) !@,%),)),)))@= hu]8f tyf sf]if !$ $,)$,!^,^@^ (&,)%,%^%#= aLdf sf]if !@ ^#,$%,&&* –�����$= dxf–ljklQ hu]8f !% –���� –�����%= ltg{ af“sL bL3{sfnLg C0f tyf ;fk6L !^ –���� –�����

�������������s'n ;|f]t !&,!&,^@,$)$ !#,$&,)%,%^%pkof]u

^= l:y/ ;DklQ -v'b_ !& (,%^,@),)!@ &,(*,!$,&$)&= bL3{sfnLg nufgL !* ^,!),)!,$@( *,^#,(&,*(^*= bL3{sfnLg shf{ @) –���� –�����

rfn' ;DklQ shf{ tyf k]ZsLx¿M –���� –�����(= gub tyf a}+s df}Hbft !( @,&@,)!,(*^ #,)(,^#,!)^!)= cNksfnLg nufgL !* (,&!,!$,^*% %,#),)*,^(*!!= cNksfnLg shf{ @) –���� –�����!@= cGo ;DklQ @! !),%!,^^,#$& $,$%,(#,*^#

������������hDdf -s_ -(±!)±!!±!@_ @@,($,*#,)!* !@,*%,^%,^^&rfn' bfloTj tyf Joj:yfx¿M

!#= rfn' bfloTj @@ !&,$#,&^,*() !),)(,$!,&@$!$= c;dfKt hf]lvd jfkt Joj:yf @# $,@#,&&,#$* #,#*,#*,#@@!%= e'QmfgL x'g af“sL bfjL jfkt Joj:yf ^ (%,%$,*)( (*,(),!@^!^= cGo Joj:yf @#…sÚ !,^(,#$,$)* !,(!,*@,()%

������������hDdf -v_ -!#±!$±!%±!^_ @$,#@,$#,$%% !^,#*,%#,)&*!&= v'b rfn' ;DklQ -u_ ≠ -s_ – -v_ -!,#&,^),$#&_ -#,%@,*&,$!!_!*= ckn]vg jf ;dfof]hg x'g af“sL ljljw vr{x¿ @$ $%,#^,!!^ #&,*),#$)!(= gfkmf–gf]S;fg lx;faaf6 ;f/]sf] gf]S;fg @,$#,^%,@*$ –��� �

������������s'n pkof]u -^±&±*±!&±!*±!(_ !&,!&,^@,$)$ !#,!&,)%,%^%

cg';"rL ^ tyf !@ b]lv @$ ;Dd o;sf cleGg c+u x'g\ .

lbk k|sfz kf08]k|d'v sfo{sf/L clws[t

sf7df8f}+@)^^÷!!÷)#

k|tfk k|;fb k|wfgrf6{8{ Psfp06]06;\

lg= lk=lk= k|wfg P08 s+=

;+nUg k|ltj]bg cg';f/cf“ l5/L z]kf{;+rfns

aL/]Gb| axfb'/ a:g]t;+rfns

uf}/j cu|jfn;+rfns

k|bLk h+u kf08];+rfns

;]jf kf7s af]x/fn]vf k|d'v

lasf; h+uaxfb'/ /f0ffcWoIf

/fh]Gı k|;fb >]i7;+rfns

ls/0f z]v/ cdfTo;+rfns

;+efljt bfloTjx¿

ljj/0f o; jif{ ut jif{

r'Qmf jf e'QmfgL x'g af“sL nufgL —������� —�������k|Tofe"lt k|ltj4tf —������� —�������aLdfn]v cGtu{t eGbf afx]saf6 aLds pk/ bfjL k/]sf] t/ aLdsn]bfloTj :jLsf/ gu/]sf] —������� —�������aLdsn] jf aLdssf] tkm{af6 lbOPsf] Uof/]06L —������� —�������cGo -ljj/0f v'nfpg]_ —������� —�������hDdf —������� —�������

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!$

lbk k|sfz kf08]k|d'v sfo{sf/L clws[t

sf7df8f}+@)^^÷!!÷)#

k|tfk k|;fb k|wfgrf6{8{ Psfp06]06;\

lg= lk=lk= k|wfg P08 s+=

;+nUg k|ltj]bg cg';f/cf“ l5/L z]kf{;+rfns

aL/]Gb| axfb'/ a:g]t;+rfns

uf}/j cu|jfn;+rfns

k|bLk h+u kf08];+rfns

;]jf kf7s af]x/fn]vf k|d'v

lasf; h+uaxfb'/ /f0ffcWoIf

/fh]Gı k|;fb >]i7;+rfns

ls/0f z]v/ cdfTo;+rfns

lzv/ OG:of]/]G; sDkgL lnld6]8cf=j= @)^$÷)^% sf] gfkmf–gf]S;fg lx;fa

qm=;+= ljj/0f cg';"rL o; jif{ ut jif{

cg';"rL @, % tyf & b]lv !$ ;Dd o;sf cleGg c+u x'g\ .

cfDbfgL!= cfo–Joo lx;faaf6 ;f/]sf] gfkmf÷-gf]S;fg_ & @,$),%#,^** @,$#,&#,$$!@= nufgL shf{ tyf cGoaf6 cfo @ ^^,^@,%&@ @!,$*,@###= Joj:yf lkmtf{ * –��� –���$= cGo cfDbfgL -ljj/0f v'nfpg]_ –��� –���

������������hDdf cfDbfgL -s_ #,)&,!^,@^) @,^%,@!,^&$vr{

%= Joj:yfkg vr{ % $@,&^,!*) #$,^%,%&#^= ckn]vg vr{ ( !!,%$,#** @#,!@,$!&&= cGo vr{x¿ !) #,$),@!# –���*= gf]S;fgLsf] nflu Joj:yf !! #*,#$,)!^ @!,&$,)@)(= sd{rf/L cfjf; Joj:yf –���� –���!)= sd{rf/L af]g; Joj:yf !(,!(,@@$ !*,*%,&*(!!= cfos/sf] Joj:yf &(,$&,^$@

– k/ ;fl/Psf] s/ (Deferred Tax) -!$,$^,(%(_ ^%,)),^*# %$,$*,)(^������������hDdf vr{ -v_ !,*),@$,&)$ !,%@,*%,*(%v'b gfkmf ÷-gf]S;fg_ -u_ ≠ -s_ – -v_ !,@^,(!,%%^ !,!@,#%,&&(

!@= aLdf sf]ifdf ;f/]sf] !@ ^#,$%,&&* %^,!&,**(aLdf hu]8f sf]ifdf ;f/]sf]

!#= cl3Nnf] jif{;+u ;DalGwt vr{ –���� –���!$= cl3Nnf] jif{af6 ;fl/Psf] gfkmf÷-gf]S;fg_ !,^%,@*@ #(,@@,#(#

af“8kmf“8sf] nflu pknAw /sd ^%,!!,)^) (%,$),@*@!%= -s_ k"“hLut hu]8f !$ –���� –���

-v_ dxf–ljklQ hu]8f –���� –���-v_ ljz]if hu]8f !$ –���� –���-u_ cGo hu]8f -ljj/0f v'nfpg]_ !$ –���� –��� – c;'n x'g af“sL aLdfz'Ns afkt #,)*,&^,#$$ –���

–��� (#,&%,)))!^= jf;nftdf ;f/]sf] gfkmf÷-gf]S;fg_ -@,$#,^%,@*$_ !,^%,@*@

Page 17: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^

!%

lzv/ O

G:of]/]G;

sDk

gL ln

ld6]8

cf=j

= @)

^$÷)^

% df

OSo

'6Ldf

ePs

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Page 18: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^

lbk k|sfz kf08]k|d'v sfo{sf/L clws[t

sf7df8f}+@)^^÷!!÷)#

k|tfk k|;fb k|wfgrf6{8{ Psfp06]06;\

lg= lk=lk= k|wfg P08 s+=

;+nUg k|ltj]bg cg';f/cf“ l5/L z]kf{;+rfns

aL/]Gb| axfb'/ a:g]t;+rfns

uf}/j cu|jfn;+rfns

k|bLk h+u kf08];+rfns

;]jf kf7s af]x/fn]vf k|d'v

lasf; h+uaxfb'/ /f0ffcWoIf

/fh]Gı k|;fb >]i7;+rfns

ls/0f z]v/ cdfTo;+rfns

lzv/ OG:of]/]G; sDkgL lnld6]8cf=j= @)^$÷)^% sf] gub k|jfxsf] ljj/0f

qm=;+= ljj/0f o; jif{ ut jif{

s= sf/f]af/ ;+rfngaf6 gub k|jfxaLdfz'Ns cfDbfgL #$,)@,(*,($* #@,)*,**,#$@k'gaL{df z'Ns cfDbfgL @,%),)*) @,^(,)%^k'gaL{df sldzg cfDbfgL $,^),##,*$# $,@@,^%,*@^cGo k|ToIf cfDbfgL –��� #*,&#,^))k'gaL{dsaf6 k|fKt bfjL l/se/L !$,$&,)(,!(! !$,(#,@^,^)^k'gaL{df z'Ns e'QmfgL -@@,)(,%(,&@)_ -@%,$@,)%,^*^_k'gaL{df sldzg e'QmfgL -^%,$&(_ –����clestf{ sldzg e'QmfgL -!,%@,)$,&**_ -!,%^,*&,#)*_bfjL e'QmfgL -!*,&),(#,%^%_ -!^,%@,^#,^(@_;]jf z'Ns e'QmfgL -(,$%,%#@_ -#@,!!,%&$_Joj:yfkg vr{ e'QmfgL -#,*(,%*,^#&_ -#,)^,!$,^*&_sd{rf/L af]g; e'QmfgL -!(,!(,@@$_ -!*,*%,&*(_cfos/ e'QmfgL -&(,$&,^$@_ -%$,$*,)(^_rfn' ;DklQdf -j[l4_÷sdL -^,!#,#),^@&_ -@,)#,%%,&@@_rfn' bfloTjdf j[l4÷-sdL_ %,*!,(@,^*% !,@%,((,^(!sf/f]af/ ;+rfngaf6 v'b gub k|jfx -s_ %,%),%(,%%# #,@%,%),%^&

v= nufgL ultljlwaf6 gub k|jfxl:y/ ;DklQdf -j[l4_÷sdL -!,((,$*,^%*_ -^,&@,$!,(^!_;/sf/L / ;/sf/sf] hdfgt k|fKt ;]So'l/6Ldf nufgLdf -j[l4_÷sdL -!,(&,*#,^(^_ -%!,@^,$^*_a}+s tyf ljQLo ;+:yfsf] d'2tL lgIf]kdf nufgLdf -j[l4_÷sdL #*,$$,)!# -!,@@,%),)))_a}+s tyf ljQLo ;+:yfsf] cGo lgIf]k nufgLdf -j[l4_÷sdL –��� –����OSo"6L z]o/ nufgLdf -j[l4_÷sdL –��� –����cu|flwsf/ z]o/ l8a]Gr/df nufgLdf -j[l4_÷sdL -$^,*),)))_ –����cGo nufgLdf -j[l4_÷sdL –��� –����k]ZsL tyf shf{df -j[l4_÷sdL –��� –����e'QmfgL k|fKt Jofh cfDbfgL -nufgLdf_ &#,)#,!&# ^*,&!,#&^e'QmfgL k|fKt l8le8]G8 –��� –����ef8f cfDbfgL –��� –����e'QmfgL k|fKt Aofh cfDbfgL -shf{df_ –��� –����cGo ck|ToIf cfDbfgL $@,&*,%)* @),^&,(%#nufgL ultljlwaf6 v'b gub k|jfx -v_ -@,*(,*^,^^)_ -&,%^,&(,!)!_

u= ljQLo ;|f]t sf/f]af/af6 gub k|jfxz]o/af6 k|fKt /sd @,%),)),)))ltg{ af“sL ;fk6Ldf -j[l4_÷sdL –��� –����cNksfnLg C0fdf -j[l4_÷sdL -@,(*,#$,)!)_ !,^^,(*,!%(C0f ;fk6Ldf Aofh e'QmfgL –��� –���nfef+z e'QmfgL –��� –���z]o/ lgisfzg vr{ –��� -#*,&$,&&!_ljQLo ;|f]t sf/f]af/af6 v'b gub k|jfx -u_ -@,(*,#$,)!)_ #,&*,@#,#**o; jif{sf] ;Dk"0f{ ultljlwaf6 v'b gub k|jfx ≠ -s_±-v_±-u_ -#&,^!,!!&_ -%#,)%,!$^_gub tyf a}+sdf /x]sf] z'? df}Hbft #,)(,^#,!)^ #,^@,^*,@%@gub tyf a}+sdf /x]sf] clGtd df}Hbft @,&@,)!,(*^ #,)(,^#,!)^

Page 19: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^

!&

lzv/ OG:of]/]G; sDkgL lnld6]8@)^$ >fj0f ! ut]b]lv @)^% cfiff9 #! ut];Ddsf]

clUg aLdfsf] cfo–Joo lx;fa

lbk k|sfz kf08]k|d'v sfo{sf/L clws[t

sf7df8f}+@)^^÷!!÷)#

k|tfk k|;fb k|wfgrf6{8{ Psfp06]06;\

lg= lk=lk= k|wfg P08 s+=

;+nUg k|ltj]bg cg';f/cf“ l5/L z]kf{;+rfns

aL/]Gb| axfb'/ a:g]t;+rfns

uf}/j cu|jfn;+rfns

k|bLk h+u kf08];+rfns

;]jf kf7s af]x/fn]vf k|d'v

lasf; h+uaxfb'/ /f0ffcWoIf

/fh]Gı k|;fb >]i7;+rfns

ls/0f z]v/ cdfTo;+rfns

qm=;+= ljj/0f cg';"rL o; jif{ ut jif{

cg';"rL ! b]lv ^ ;Dd o;sf cleGg c+u x'g\ .

cfo!= aLdfz'Ns -v'b_ ! $*,(&,%&* #&,($,^@(@= k'gaL{df sldzg cfo !,@$,&$,(*& !,@!,^!,%^%#= nufgL, shf{ tyf cGoaf6 cfo @ *,@),$*( !!,*$,)$&$= cGo k|ToIf cfo –��� &,&!,*^$%= cfly{s jif{sf] z'?sf] e'QmfgL x'g af“sL bfjL jfkt Joj:yf ^$,!&) @,#$,^((^= cfly{s jif{sf] z'?sf] c;dfKt hf]lvd jfkt Joj:yf !*,(&,#!$ !!,)),)#&

������������hDdf cfo -s_ @,)!,%$,%#* !,(@,$^,*$)Joo

&= bfjL e'QmfgL -v'b_ # &,)@,#$& !$,$),&&!*= clestf{ sldzg @$,&#,(!$ @#,&),)@$(= k'gaL{df sldzg vr{ #$,$*! –���!)= ;]jf z'Ns -v'b_ $ &%,(#@ #&,($^!!= cGo k|ToIf vr{ –�� –��!@= Joj:yfkg vr{ % ^@,&*,(@* %@,(!,(($!#= cfly{s jif{sf] cGTodf e'QmfgL x'g af“sL bfjL jfkt Joj:yf ^ !,(*,)#$ ^$,!^(!$= cfly{s jif{sf] cGTodf c;dfKt hf]lvd jfkt Joj:yf @$,$*,&*( !*,(&,#!$

������������hDdf Joo -v_ !,@@,!@,$@% !,!!,)@,@!(!%= gfkmf–gf]S;fg lx;fadf ;f/]sf] jrt÷-gf]S;fg_ ≠ -s_–-v_ &(,$@,!!# *!,$$,^@!

Page 20: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^

!*

lbk k|sfz kf08]k|d'v sfo{sf/L clws[t

sf7df8f}+@)^^÷!!÷)#

k|tfk k|;fb k|wfgrf6{8{ Psfp06]06;\

lg= lk=lk= k|wfg P08 s+=

;+nUg k|ltj]bg cg';f/cf“ l5/L z]kf{;+rfns

aL/]Gb| axfb'/ a:g]t;+rfns

uf}/j cu|jfn;+rfns

k|bLk h+u kf08];+rfns

;]jf kf7s af]x/fn]vf k|d'v

lasf; h+uaxfb'/ /f0ffcWoIf

/fh]Gı k|;fb >]i7;+rfns

ls/0f z]v/ cdfTo;+rfns

lzv/ OG:of]/]G; sDkgL lnld6]8@)^$ >fj0f ! ut]b]lv @)^% cfiff9 #! ut];Ddsf]

;fd'lb|s aLdfsf] cfo–Joo lx;fa

qm=;+= ljj/0f cg';"rL o; jif{ ut jif{

cg';"rL ! b]lv ^ ;Dd o;sf cleGg c+u x'g\ .

cfo!= aLdfz'Ns -v'b_ ! $#,*#,#*! $$,$(,&!^@= k'gaL{df sldzg cfo %(,#$,@@^ ^#,&),#*##= nufgL, shf{ tyf cGoaf6 cfo @ $,^$,&*$ ^,$$,$(^$= cGo k|ToIf cfo –��� @^,&#,*$)%= cfly{s jif{sf] z'?sf] e'QmfgL x'g af“sL bfjL jfkt Joj:yf %,%@,#%* !(,$#*^= cfly{s jif{sf] z'?sf] c;dfKt hf]lvd jfkt Joj:yf @%,*&,#@$ #,^@,$^^

������������hDdf cfo -s_ !,#(,@@,)&# !,$%,@),##(Joo

&= bfjL e'QmfgL -v'b_ # !^,)^,@!% %,#&,!*%*= clestf{ sldzg @&,!&,^^# #),^%,(#!(= k'gaL{df sldzg vr{ –��� –���!)= ;]jf z'Ns -v'b_ $ $#,*#$ $$,$(&!!= cGo k|ToIf vr{ –�� –��!@= Joj:yfkg vr{ % @),^&,%^( !(,$@,^(%!#= cfly{s jif{sf] cGTodf e'QmfgL x'g af“sL bfjL jfkt Joj:yf ^ !@,%*,^@) %,%@,#%*!$= cfly{s jif{sf] cGTodf c;dfKt hf]lvd jfkt Joj:yf $&,&(,)!% @%,*&,#@$

������������hDdf Joo -v_ !,@$,&@,(!^ *&,@(,(()!%= gfkmf–gf]S;fg lx;fadf ;f/]sf] jrt÷-gf]S;fg_ ≠ -s_–-v_ !$,$(,!%& %&,(),#$*

Page 21: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^

!(

lzv/ OG:of]/]G; sDkgL lnld6]8@)^$ >fj0f ! ut]b]lv @)^% cfiff9 #! ut];Ddsf]

df]6/ aLdfsf] cfo–Joo lx;fa

lbk k|sfz kf08]k|d'v sfo{sf/L clws[t

sf7df8f}+@)^^÷!!÷)#

k|tfk k|;fb k|wfgrf6{8{ Psfp06]06;\

lg= lk=lk= k|wfg P08 s+=

;+nUg k|ltj]bg cg';f/cf“ l5/L z]kf{;+rfns

aL/]Gb| axfb'/ a:g]t;+rfns

uf}/j cu|jfn;+rfns

k|bLk h+u kf08];+rfns

;]jf kf7s af]x/fn]vf k|d'v

lasf; h+uaxfb'/ /f0ffcWoIf

/fh]Gı k|;fb >]i7;+rfns

ls/0f z]v/ cdfTo;+rfns

qm=;+= ljj/0f cg';"rL o; jif{ ut jif{

cg';"rL ! b]lv ^ ;Dd o;sf cleGg c+u x'g\ .

cfo!= aLdfz'Ns -v'b_ ! %,$@,(!,$!# $,$^,(*,&$#@= k'gaL{df sldzg cfo @#,%(,@&@ !%,*!,^%%#= nufgL, shf{ tyf cGoaf6 cfo @ @@,*$,#)@ @(,@),$(($= cGo k|ToIf cfo –��� –���%= cfly{s jif{sf] z'?sf] e'QmfgL x'g af“sL bfjL jfkt Joj:yf &^,)^,)*^ $,%!,@)#^= cfly{s jif{sf] z'?sf] c;dfKt hf]lvd jfkt Joj:yf @,@#,$(,#&! (%,*(,&#(

������������hDdf cfo -s_ *,**,(),$$$ %,(@,$!,*#*Joo

&= bfjL e'QmfgL -v'b_ # #,#$,^$,^@# !,)*,#(,@@**= clestf{ sldzg *@,$#,%&( ^(,*@,#)@(= k'gaL{df sldzg vr{ (,$$( –���!)= ;]jf z'Ns -v'b_ $ %,$@,(!% $,$^,(*&!!= cGo k|ToIf vr{ –�� –��!@= Joj:yfkg vr{ % (@,@%,@#& ^!,&%,%#$!#= cfly{s jif{sf] cGTodf e'QmfgL x'g af“sL bfjL jfkt Joj:yf ^ &@,*@,^&! &^,)^,)*&!$= cfly{s jif{sf] cGTodf c;dfKt hf]lvd jfkt Joj:yf @,&!,$%,&)& @,@#,$(,#&!

������������hDdf Joo -v_ *,%(,!$,!*! %,$#,((,%!)!%= gfkmf–gf]S;fg lx;fadf ;f/]sf] jrt÷-gf]S;fg_ ≠ -s_–-v_ @(,&^,@^# $*,$@,#@*

Page 22: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^

@)

lbk k|sfz kf08]k|d'v sfo{sf/L clws[t

sf7df8f}+@)^^÷!!÷)#

k|tfk k|;fb k|wfgrf6{8{ Psfp06]06;\

lg= lk=lk= k|wfg P08 s+=

;+nUg k|ltj]bg cg';f/cf“ l5/L z]kf{;+rfns

aL/]Gb| axfb'/ a:g]t;+rfns

uf}/j cu|jfn;+rfns

k|bLk h+u kf08];+rfns

;]jf kf7s af]x/fn]vf k|d'v

lasf; h+uaxfb'/ /f0ffcWoIf

/fh]Gı k|;fb >]i7;+rfns

ls/0f z]v/ cdfTo;+rfns

lzv/ OG:of]/]G; sDkgL lnld6]8@)^$ >fj0f ! ut]b]lv @)^% cfiff9 #! ut];Ddsf]

OlGhgLol/· aLdfsf] cfo–Joo lx;fa

qm=;+= ljj/0f cg';"rL o; jif{ ut jif{

cg';"rL ! b]lv ^ ;Dd o;sf cleGg c+u x'g\ .

cfo!= aLdfz'Ns -v'b_ ! %,!@,(@* ^,(@,$!$@= k'gaL{df sldzg cfo @),(@,$)& @#,^),%))#= nufgL, shf{ tyf cGoaf6 cfo @ !,!^,%*& @,!&,$!%$= cGo k|ToIf cfo –��� $,@&,*(&%= cfly{s jif{sf] z'?sf] e'QmfgL x'g af“sL bfjL jfkt Joj:yf @,!$,&$) !,^#,@&(^= cfly{s jif{sf] z'?sf] c;dfKt hf]lvd jfkt Joj:yf #,$^,@)& !,)!,&)(

������������hDdf cfo -s_ #@,*@,*^( #(,^#,@!$Joo

&= bfjL e'QmfgL -v'b_ # #,^%,($@ &),*!(*= clestf{ sldzg %,)#,*&# ^,@!,&&#(= k'gaL{df sldzg vr{ %,$#* –���!)= ;]jf z'Ns -v'b_ $ !*,!!% ^,(@$!!= cGo k|ToIf vr{ –�� –��!@= Joj:yfkg vr{ % (,@$,&!! !),#),^$(!#= cfly{s jif{sf] cGTodf e'QmfgL x'g af“sL bfjL jfkt Joj:yf ^ @,##,*^* @,!$,&$)!$= cfly{s jif{sf] cGTodf c;dfKt hf]lvd jfkt Joj:yf @,%^,$^$ #,$^,@)&

������������hDdf Joo -v_ @#,)*,$!! @@,(!,!!@!%= gfkmf–gf]S;fg lx;fadf ;f/]sf] jrt÷-gf]S;fg_ ≠ -s_–-v_ (,&$,$%* !^,&@,!)@

Page 23: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^

@!

lzv/ OG:of]/]G; sDkgL lnld6]8@)^$ >fj0f ! ut]b]lv @)^% cfiff9 #! ut];Ddsf]

xjfO{ aLdfsf] cfo–Joo lx;fa

lbk k|sfz kf08]k|d'v sfo{sf/L clws[t

sf7df8f}+@)^^÷!!÷)#

k|tfk k|;fb k|wfgrf6{8{ Psfp06]06;\

lg= lk=lk= k|wfg P08 s+=

;+nUg k|ltj]bg cg';f/cf“ l5/L z]kf{;+rfns

aL/]Gb| axfb'/ a:g]t;+rfns

uf}/j cu|jfn;+rfns

k|bLk h+u kf08];+rfns

;]jf kf7s af]x/fn]vf k|d'v

lasf; h+uaxfb'/ /f0ffcWoIf

/fh]Gı k|;fb >]i7;+rfns

ls/0f z]v/ cdfTo;+rfns

qm=;+= ljj/0f cg';"rL o; jif{ ut jif{

cg';"rL ! b]lv ^ ;Dd o;sf cleGg c+u x'g\ .

cfo!= aLdfz'Ns -v'b_ ! @,*),*#% ^,!),(#$@= k'gaL{df sldzg cfo !,!@,&#,%&& (&,@(,&*%#= nufgL, shf{ tyf cGoaf6 cfo @ %,&),()# $,*#,@$#$= cGo k|ToIf cfo –��� –���%= cfly{s jif{sf] z'?sf] e'QmfgL x'g af“sL bfjL jfkt Joj:yf &$,!@# %@,*#(^= cfly{s jif{sf] z'?sf] c;dfKt hf]lvd jfkt Joj:yf #,)%,$^& !,$(,^*)

������������hDdf cfo -s_ !,@%,)$,()% !,!),@^,$*!Joo

&= bfjL e'QmfgL -v'b_ # &,!%,@&! $,&@,&*&*= clestf{ sldzg –�� –��(= k'gaL{df sldzg vr{ –�� –��!)= ;]jf z'Ns -v'b_ $ ($,#(* ^,!)(!!= cGo k|ToIf vr{ –�� –��!@= Joj:yfkg vr{ % !,#*,)!,##) !,@$,*^,(#*!#= cfly{s jif{sf] cGTodf e'QmfgL x'g af“sL bfjL jfkt Joj:yf ^ !(,#^# &$,!@!!$= cfly{s jif{sf] cGTodf c;dfKt hf]lvd jfkt Joj:yf !,$),$!* #,)%,$^&

������������hDdf Joo -v_ !,$&,&),&*) !,##,$%,$@@!%= gfkmf–gf]S;fg lx;fadf ;f/]sf] jrt÷-gf]S;fg_ ≠ -s_–-v_ -@@,^%,*&%_ -@#,!*,($!_

Page 24: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^

@@

lbk k|sfz kf08]k|d'v sfo{sf/L clws[t

sf7df8f}+@)^^÷!!÷)#

k|tfk k|;fb k|wfgrf6{8{ Psfp06]06;\

lg= lk=lk= k|wfg P08 s+=

;+nUg k|ltj]bg cg';f/cf“ l5/L z]kf{;+rfns

aL/]Gb| axfb'/ a:g]t;+rfns

uf}/j cu|jfn;+rfns

k|bLk h+u kf08];+rfns

;]jf kf7s af]x/fn]vf k|d'v

lasf; h+uaxfb'/ /f0ffcWoIf

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ls/0f z]v/ cdfTo;+rfns

lzv/ OG:of]/]G; sDkgL lnld6]8@)^$ >fj0f ! ut]b]lv @)^% cfiff9 #! ut];Ddsf]

ljljw aLdfsf] cfo–Joo lx;fa

qm=;+= ljj/0f cg';"rL o; jif{ ut jif{

cg';"rL ! b]lv ^ ;Dd o;sf cleGg c+u x'g\ .

cfo!= aLdfz'Ns -v'b_ ! !,%@,!#,(!! !,@&,)%,@&&@= k'gaL{df sldzg cfo !,!*,((,#&% &%,!(,**!#= nufgL, shf{ tyf cGoaf6 cfo @ !#,#!,()% !#,$!,#(%$= cGo k|ToIf cfo –��� –�����%= cfly{s jif{sf] z'?sf] e'QmfgL x'g af“sL bfjL jfkt Joj:yf !#,&*,^%@ !),&*!^= cfly{s jif{sf] z'?sf] c;dfKt hf]lvd jfkt Joj:yf ^#,%@,^#* @),)(,(!!

������������hDdf cfo -s_ #,^!,&^,$*! @,#%,*&,@$%Joo

&= bfjL e'QmfgL -v'b_ # %%,@(,(&( @%,&^,@(&*= clestf{ sldzg #!,@%,$!* @^,$&,@&*(= k'gaL{df sldzg vr{ !^,!!! –���!)= ;]jf z'Ns -v'b_ $ !,&),##* !,@&,)%#!!= cGo k|ToIf vr{ –�� –��!@= Joj:yfkg vr{ % ^!,*&,*%$ $@,^@,#$^!#= cfly{s jif{sf] cGTodf e'QmfgL x'g af“sL bfjL jfkt Joj:yf ^ %,^@,@%$ !#,&*,^%!!$= cfly{s jif{sf] cGTodf c;dfKt hf]lvd jfkt Joj:yf &^,)^,(%% ^#,%@,^#*

������������hDdf Joo -v_ @,#!,(*,()( !,&#,$$,@^#!%= gfkmf–gf]S;fg lx;fadf ;f/]sf] jrt÷-gf]S;fg_ ≠ -s_–-v_ !,@(,&&,%&@ ^@,$@,(*@

Page 25: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^

@#

-s_ aLdfz'Ns -v'b_ cg';"rL– !

qm=;+= aLdfsf] lsl;ds'n aLdfz'Ns k'gaL{df z'Ns e'QmfgL (Ceded) aLdfz'Ns -v'b_

o; jif{ ut jif{ o; jif{ ut jif{ o; jif{ ut jif{

!= clUg aLdf %,%(,!@,*!* %,$@,*$,!^% %,!),!%,@$) %,)$,*(,%#^ $*,(&,%&* #&,($,^@(

@= ;fd'lb|s aLdf @,)@,**,*!$ @,@!,)#,*&@ !,%(,)%,$## !,&^,%$,!%^ $#,*#,#*! $$,$(,&!^

#= df]6/ aLdf *,^&,#*,#^! ^,&$,!),(^$ #,@$,$^,($* @,@&,!@,@@! %,$@,(!,$!# $,$^,(*,&$#

$= OlGhgLol/¨ aLdf *#,^@,$** !,)&,^%,(*$ &*,$(,%^) !,)),&#,%&) %,!@,(@* ^,(@,$!$

% xjfO{ aLdf !!,&@,(),)@( !@,@!,*^,*@( !!,&),)(,!($ !@,!%,&%,*(% @,*),*#% ^,!),(#$

^= ljljw aLdf %,%&,(),%#$ $,$$,)%,%*# $,)%,&^,^@# #,!&,)),#)^ !,%@,!#,(!! !,@&,)%,@&&

hDdf #$,$#,*#,)$$ #@,!!,%&,#(* @^,$*,)@,((* @%,$@,)%,^*^ &,(%,*),)$^ ^,^(,%!,&!@

-v_ s'n aLdfz'Ns

qm=;+= aLdfsf] lsl;dk|ToIf aLdfz'Ns k|fKt k'gaL{df z'Ns (Accepted) s'n aLdfz'Ns -v'b_

o; jif{ ut jif{ o; jif{ ut jif{ o; jif{ ut jif{

!= clUg aLdf %,%*,#%,!@$ %,$!,%#,)($ &&,^($ !,#!,)&! %,%(,!@,*!* %,$@,*$,!^%

@= ;fd'lb|s aLdf @,)@,**,*!$ @,@),&%,%#^ –��� @*,##^ @,)@,**,*!$ @,@!,)#,*&@

#= df]6/ aLdf *,^^,$#,*&$ ^,&$,!),(^$ ($,$*& –�� *,^&,#*,#^! ^,&$,!),(^$

$= OlGhgLol/¨ aLdf *#,^@,$** !,)&,)^,*%$ –��� %(,!#) *#,^@,$** !,)&,^%,(*$

% xjfO{ aLdf !!,&@,(),)@( !@,@!,*^,*@( –��� –�� !!,&@,(),)@( !@,@!,*^,*@(

^= ljljw aLdf %,%&,!@,^#% $,$#,%%,)^$ &&,*(( %),%!( %,%&,(),%#$ $,$$,)%,%*#

hDdf #$,$!,#@,(^$ #@,)*,**,#$@ @,%),)*) @,^(,)%^ #$,$#,*#,)$$ #@,!!,%&,#(*

Page 26: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^

@$

nufgL, shf{ tyf cGoaf6 cfosf] af“8kmf“8

qm=;+= ljj/0f o; jif{ ut jif{

!= gfkmf–gf]S;fg lx;fadf ;f/]sf] ^^,^@,%&@ @!,$*,@##@= clUg aLdfsf] cfo–Joo lx;fadf ;f/]sf] *,@),$*( !!,*$,)$&#= ;fd'lb|s aLdfsf] cfo–Joo lx;fadf ;f/]sf] $,^$,&*$ ^,$$,$(^$= df]6/ aLdfsf] cfo–Joo lx;fadf ;f/]sf] @@,*$,#)@ @(,@),$((%= OlGhgLol/¨ aLdfsf] cfo–Joo lx;fadf ;f/]sf] !,!^,%*& @,!&,$!%^= ljljw aLdfsf] cfo–Joo lx;fadf ;f/]sf] %,&),()# $,*#,@$#&= ljljw aLdfsf] cfo–Joo lx;fadf ;f/]sf] !#,#!,()% !#,$!,#(%

hDdf !,@@,%!,%$@ *(,#(,#@*

nufgL, shf{ tyf cGoaf6 cfo cg';"rL– @

qm=;+= ljj/0f o; jif{ ut jif{

!= ;/sf/L / ;/sf/sf] hdfgt k|fKt ;]So'l/l6af6 cfo (,*&,$() !,*&,#%$@= jfl0fHo a}+ssf] d'2tL lgIf]kaf6 cfo $@,*!,*)@ $),##,#^@#= ljsf; a}+ssf] d'2tL lgIf]kaf6 cfo !!,$$,@$& !!,#),%%!$= gful/s nufgL of]hgfaf6 cfo –���� –����%= ljQLo ;+:yfsf] d'2tL lgIf]kaf6 cfo (,%^,@%& &,($,^)$^= klAns sDkgLsf] ;fwf/0f z]o/af6 nfef+z –���� –����&= cu|flwsf/ z]o/af6 nfef+z –���� –����*= a}+s tyf ljQLo ;+:yfsf] l8a]Gr/af6 cfo #,$%,(^@ #,!$,^&!(= cGo -ljj/0f v'nfpg]_ af6 cfo –���� –����!)= shf{af6 cfo –���� –����!!= cGo lgIf]kaf6 -d'2tL afx]s_ cfo @,%&,@&% #,(&,#*#!@= nufgL laqmLdf gfkmf –���� –����

Go"gM nufgL laqmLdf gf]S;fg –���� –����!#= nufgL -vl/b_ df gfkmf –���� –����

Go"gM l:y/ ;DklQ laqmLaf6 gf]S;fg –���� –����!$= l:y/ ;DklQ laqmLaf6 gfkmf –���� –����

Go"gM l:y/ ;DklQ laqmLaf6 gf]S;fg –���� –����!%= vftf ckn]vg –���� –����!^= cl3Nnf jif{;+u ;DalGwt cfo !&,$@,!$( –����!&= cGo cfo @%,#^,#^) @),*!,$)#

��� hDdf !,@@,%!,%$@ *(,#(,#@*

Page 27: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^

@%

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Joj:yfkg vr{ cg';"rL– %

qm=;+= ljj/0f o; jif{ ut jif{

!= sd{rf/L vr{ -cg';"rL %=! adf]lhd_ @,!@,%),@&# !,$*,)@,)@*@= 3/ ef8f #^,^*,^!& @&,%&,*()#= lah'nL tyf kfgL &,^&,$#$ %,^$,@%^$= dd{t tyf ;Def/

-s_ ejg %,*^! @,@%)-v_ ;jf/L ;fwg $,%(,@@* #,^%,%^%-u_ sfof{no pks/0f !,*&,%&% –��-3_ kmlg{r/ @(,!#% @,^),#%*-ª_ ljB'lto h8fg (#,!&^ @$,^))-r_ sDKo'6/ @,$@,*** !,$!,(@@

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Page 29: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^

@&

af“8kmf“8sf] nflu hDdf

qm=;+= ljj/0f o; jif{ ut jif{

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hDdf $,@&,^!,*)( #,$^,%%,&@(

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cg';"rL– %=!

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@*

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Page 31: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^

@(

cfo–Joo lx;fax¿af6 gfkmf–gf]S;fg lx;fadf ;f/]sf] /sd

qm=;+= ljj/0f o; jif{ ut jif{

cg';"rL– &

!= clUg aLdfsf] cfo–Joo lx;faaf6 ;f/]sf] &(,$@,!!# *!,$$,^@!

@= ;fd'lb|s aLdfsf] cfo–Joo lx;faaf6 ;f/]sf] !$,$(,!%& %&,(),#$*

#= df]6/ aLdfsf] cfo–Joo lx;faaf6 ;f/]sf] @(,&^,@^# $*,$@,#@*

$= OlGhgLol/¨ aLdfsf] cfo–Joo lx;faaf6 ;f/]sf] (,&$,$%* !^,&@,!)@

%= xjfO aLdfsf] cfo–Joo lx;faaf6 ;f/]sf] -@@,^%,*&%_ -@#,!*,($!_

^= ljljw aLdfsf] cfo–Joo lx;faaf6 ;f/]sf] !,@(,&&,%&@ ^@,$@,(*@

hDdf @,$),%#,^** @,$#,&#,$$!

Joj:yf lkmtf{

qm=;+= ljj/0f o; jif{ ut jif{

cg';"rL– *

!= nufgLdf gf]S;fgLsf] nflu Joj:yf lkmtf{ – –@= shf{df gf]S;fgLsf] nflu Joj:yf lkmtf{ – –#= z+sf:kb cf;fdL Joj:yf lkmtf{ – –$= cGo Joj:yf lkmtf{ – –

hDdf – –

ckn]vg vr{x¿

qm=;+= ljj/0f o; jif{ ut jif{

cg';"rL– (

!= k|f/lDes vr{x¿ –���� –����

@= k"j{ ;+rfng vr{x¿ –���� !#,^&,###

#= k/ ;fl/Psf vr{x¿ (,$%,)*% (,$%,)*$

$= ckn]vg ul/Psf] nufgL –���� –����

%= ckn]vg ul/Psf] shf{ –���� –����

^= ckn]vg ul/Psf] cf;fdL –���� –����

&= cGo ckn]vgM

art C0fkqsf] nufgLsf] lk|ldoddf ul/Psf] e'QmfgL @,)(,#)# –����

��hDdf !!,%$,#** @#,!@,$!&

Page 32: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^

#)

cGo vr{x¿

qm=;+= ljj/0f o; jif{ ut jif{

cg';"rL– !)

!= b08 hl/jfgf #,$),@!# –

@= ljnDa z'Ns hl/jfgf – –

#= cGo -ljj/0f v'nfpg]_ – –

hDdf #,$),@!# –

gf]S;fgLsf] nflu Joj:yf

qm=;+= ljj/0f o; jif{ ut jif{

cg';"rL– !!

!= nufgLdf gf]S;fgLsf] nflu Joj:yf – –

@= shf{df gf]S;fgLsf] nflu Joj:yf – –

#= z+sf:kb cf;fdL Joj:yf #*,#$,)!^ @!,&$,)@)

$= cGo Joj:yf – –

hDdf #*,#$,)!^ @!,&$,)@)

aLdfsf]if cg';"rL– !@

qm=;+= aLdfsf] lsl;djif{sf] z'¿df aLdfsf]if gfkmf–gf]S;fg lx;faaf6 ;f/]sf] jif{sf] cGTodf aLdfsf]if

o; jif{ ut jif{ o; jif{ ut jif{ o; jif{ ut jif{

!= clUg aLdf – – !(,!$,**# – !(,!$,**# –

@= ;fd'lb|s aLdf – – #,$(,#(( – #,$(,#(( –

#= df]6/ aLdf – – &,!&,%(# – &,!&,%(# –

$= OlGhgLol/¨ aLdf – – @,#$,($& – @,#$,($& –

% xjfO{ aLdf – – –�� – –�� –

^= ljljw aLdf – – #!,@*,(%^ – #!,@*,(%^ –

hDdf – – ^#,$%,&&* – ^#,$%,&&* –

Page 33: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^

#!

-s_ z]o/sf] k"“hL

qm=;+= ljj/0f o; jif{ ut jif{

cg';"rL– !#

!= clws[t k"“hL

-s_ ¿= !)) b/sf] @),)),))) yfg ;fwf/0f z]o/ @),)),)),))) @),)),)),)))

@= hf/L k"“hL

-s_ ¿= !)) b/sf] !@,%),))) yfg ;fwf/0f z]o/ !@,%),)),))) !@,%),)),)))

#= r'Qmf k"“hL

-s_ ¿= !)) b/sf] !@,%),))) yfg ;fwf/0f z]o/ !@,%),)),))) !@,%),)),)))

��hDdf !@,%),)),))) !@,%),)),)))

-v_ z]o/sf] :jfldTjsf] ;+/rgf

o; jif{ ut jif{

;fwf/0fz]o/ ;+Vof

:jfldTjsf] ∞;fwf/0f

z]o/ ;+Vof:jfldTjsf] ∞

z]o/wgL

;+:y

fks

g]kfnL ;+ul7t ;+:yfx¿ !,^%,))) !#=@) !,^%,))) !#=@)

g]kfnL gful/s *,#%,))) ^^=*) *,#%,))) ^^=*)

ljb]zL

hDdf !),)),))) *)=)) !),)),))) *)=))

;j{;fwf/0f @,%),))) @)=)) @,%),))) @)=))

cGo -ljj/0f v'nfpg]_

s'n !@,%),))) !))=)) !@,%),))) !))=))

Page 34: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^

#@

-v_ z]o/sf] :jfldTjsf] ;+/rgf

o; jif{ ut jif{

;fwf/0fz]o/ ;+Vof

:jfldTjsf] ∞;fwf/0f

z]o/ ;+Vof:jfldTjsf] ∞

z]o/wgLqm=;+=

!= /d]z s'df/ lg/f}nf !=)^ !#,@&,)))

@= /Ltf kf08] !=#! !^,#*,)))

#= ljsf; h+u axfb'/ /f0ff (=@) !,!%,)),))) (=@) !,!%,)),)))

$= a'4 Po/ k|f= ln= (=@) !,!%,)),))) (=@) !,!%,)),)))

%= uf}/a cu|jfn (=@) !,!%,)),))) (=@) !,!%,)),)))

^= s}nfz k|;fb l;/f]lxof $=^$ %*,)),))) $=^$ %*,)),)))

&= ljgf]b /fh 1jfnL $=^$ %*,)),))) $=^$ %*,)),)))

*= cf“ l5/L z]kf{ (=@) !,!%,)),))) (=@) !,!%,)),)))

(= cf¨ b]GbL z]kf{ !=@) !%,)),))) !=@) !%,)),)))

!)= kljq s'df/ sfsL{ !=(@ @$,)),))) !=(@ @$,)),)))

!!= z]v/ a:Goft !=@) !%,)),))) !=@) !%,)),)))

!@= bfjf hfª\a' z]kf{ !=@) !%,)),))) !=@) !%,)),)))

!#= ;+lrtf :jf/ kf08] $=)) %),)),))) $=)) %),)),)))

!$= ls/0f k|sfz kf08] @=)) @%,)),))) @=)) @%,)),)))

!%= cld/ k|tfa h=a= /f0ff $=*) ^),)),))) $=*) ^),)),)))

!^= /fh]Gb| k|;fb >]i7 $=)) %),)),))) $=)) %),)),)))

!&= nf]d; OGe]i6d]G6 k|f= ln= $=)) %),)),))) $=)) %),)),)))

!*= kjg s'df/ cu|jfn @=)) @%,)),))) @=)) @%,)),)))

hDdf (,#$,^%,))) (,)%,)),)))

hu]8f tyf sf]if

qm=;+= ljj/0f o; jif{ ut jif{

cg';"rL– !$

!= ;fwf/0f hu]8f (%,$),@*@ (%,$),@*@

@= k"“hLut hu]8f –���� –����

#= ljz]if hu]8f –���� –����

$= cGo hu]8f -ljj/0f v'nfpg]_ –���� –����

c;'n x'g af“sL aLdfz'Ns afkt #,)*,&^,#$$ –����

%= z]o/ lk|ldod –���� –����

^= k|:tfljt af]gz z]o/ –���� –����

&= k|:tfljt nfef+z

*= gfkmf–gf]S;fg lx;faaf6 ;f/]sf] gfkmf –���� !,^%,@*@

��hDdf $,)$,!^,^@^ (&,)%,%^%

Page 35: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^

##

dxf–ljklQ hu]8f

o; jif{ ut jif{

cg';"rL– !%

jif{sf] z'?df dxf–ljklQ hu]8f gfkmf–gf]S;fg lx;faaf6 ;f/]sf] jif{sf] cGTodf dxf–ljklQ

o; jif{ ut jif{o; jif{ ut jif{

ltg{ af“sL bL3{sfnLg C0f tyf ;fk6L

qm=;+= ljj/0f o; jif{ ut jif{

cg';"rL– !^

!= l8a]Gr/ ÷ a08 – –

@= a}+s – –

#= ljQLo ;+:yf – –

$= cGo -ljj/0f v'nfpg]_ – –

hDdf – –

Page 36: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^

#$

aLdf

sf] ls

l;d

l:y/

;Dk

lQcg';

"rL–

!&

k/n

df]n

¥xf;

s§L

v'b

df]n

z'?

df}Hb

fto;

jif{

yk]sf]

o; j

if{ 36

]sf]

hDdf

ut j

if{;Dd

o; j

if{laqmL÷

;dfof]h

ghD

dfo;

jif{;

Ddsf]ut

jif{

;Dds

f]

lk|m x

f]N8 h

ldg

^,$!

,)$,

#%!

––

^,$!

,)$,

#%!

––

––

^,$!

,)$,

#%!

^,$!

,)$,

#%!

ejg

@,^)

,)$*

––

@,^)

,)$*

$,#)

!!@

,&*&

–!&

,)**

@,$@

,(^)

@,%%

,&$^

kmlg{r/

tyf l

kmS;

r;{

^*,*

!,@^(

#,*^,#^

%–

&@,^&,^#

#@^

,*),%^

&!)

,%!,$

&*–

#&,#@

,)$%

#%,#%

,%**

$@,)),&)

@

sfo

f{no

;fdf

g!(

,&&,^%

&@,#*

,)(#

–@@

,!%,&%)

&,&!

,)#&

#,$@,&(

@–

!!,!#

,*@(

!!,)!,(

@!!@

,)^,^@

)

sDKo

"6/ t

yf ;

"rgf

k|ljwL

pks

/0f

@(,%%,&(

@$,

&$,^!)

–#$

,#),$

)@!!

,(%,&*

#$,

^&,@^*

–!^

,^#,)

%@!&

,^&,#%

)!&

,^),))

(

cb[Zo

;Dk

lQ -l

jj/0

f v'nf

pg]_

––

––

––

––

––

;jf/L

;fw

g!,@

),!$

,)#!

!*,)&,)&

^–

!,#*,

@!,!)

&$#

,#$,*

*%@!

,$!,%

(&–

^$,&^,$*

#&#

,$$,

^@$

&^,&(,!$

^

lnh

xf]N8

;Dk

lQ–

––

––

––

––

cGo

-k|s[lt

v'nf

pg]_

––

––

––

––

––

ljB't

h8f

g(,$&

,#@!

^,*)

)–

(,%$

,!@!

#,#(,!%

%!,@

&,$^

@–

$,^^

,^!&

$,*&

,%)$

^,)*

,!^%

hDdf

*,(!

,$),$^

(@(

,!@,($

#–

(,@)

,%#,$!

@(#

,@%,&@

*$!

,$#,#*

^–

!,#$

,^(,!!$

&,*%

,*$,

@(*

&,(*

,!$,

&$)

lgdf

{0ffwL

g k"“h

Lut

vr{

–!,&

),#%

,&!$

–!,&

),#%

,&!$

––

––

!,&),#%

,&!$

s"n

*,(!

,$),$^

(!,(

(,$*

,^%*

–!)

,(),*(

,!@^

(#,@%,&@

*$!

,$#,#

*^–

!,#$,

^(,!!

$(,%^

,@),)!

@&,(*

,!$,&$)

ut j

if{@,!*

,(*,

%)&

^,&@

,$!,(

^!–

*,(!

,$),$^

*%@

,*$,

^*^

$),$

!,)$@

–(#

,@%,&@

*&,(*

,!$,&$)

Page 37: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^

#%

nufgL

qm=;+= ljj/0f o; jif{ ut jif{

cg';"rL– !*

-s_ bL3{sflng nufgL

!= ;/sf/L / ;/sf/sf] hdfgt k|fKt ;]So'l/6L @,#),)),))) %!,@^,$^*

@= jfl0fHo a}+ssf] d'2tL lgIf]k !,!),)),))) $,*%,)),)))

#= ljsf; a}+ssf] d'2tL lgIf]k &%,)),))) !,&%,)),)))

$= gful/s nufgL of]hgf –��� –���

%= ljQLo ;+:yfsf] d'2tL lgIf]k ^@,%),))) ^&,)),)))

^= klAns sDkgLsf] ;fwf/0f z]o/ -cg';"rL !*=! adf]lhd_ –��� –���

&= a}+s tyf ljQLo ;+:yfsf] cu|flwsf/ z]o/÷l8a]Gr/ %),)),))) %),)),)))

*= cGo

jfl0fHo a}+s a08 $^,*),))) –���

cfsl:ds aLdfsf]if #%,&!,$@( #%,&!,$@(

���hDdf ^,!),)!,$@( *,^#,(&,*(^

-v_ cNksflng nufgL

!= ;/sf/L / ;/sf/sf] hdfgt k|fKt ;]So'l/6L –��� –���

@= jfl0fHo a}+ssf] d'2tL lgIf]k &,@%,)),))) $,)),)),)))

#= ljsf; a}+ssf] d'2tL lgIf]k !,&%,)),))) &%,)),)))

$= gful/s nufgL of]hgf –��� –���

%= ljQLo ;+:yfsf] d'2tL lgIf]k %(,)),))) $(,%),)))

^= a}+s tyf ljQLo ;+:yfsf] cu|flwsf/ z]o/÷l8a]Gr/ –��� –���

&= jfl0fHo a}+ssf] Jofh k|fKt x'g] cGo lgIf]k !@,!$,^*% %,%*,^(*

*= ljsf; a}+ssf] Jofh k|fKt x'g] cGo lgIf]k –��� –���

(= ljQLo ;+:yfsf] Jofh k|fKt x'g] cGo lgIf]k –��� –���

!)= cGo Jofh k|fKt x'g] nufgL -ljj/0f v'nfpg]_ –��� –���

hDdf (,&!,!$,^*% %,#),)*,^(*

s'n hDdf !%,*!,!^,!!$ !#,($,)^,%($

z]o/df nufgL

qm=;+= ljj/0f ;+Vof ahf/ d"No

cg';"rL– !*=!

v'b /sd c+lst d"No k/n d"No

!= ¬ sDkgLsf] ¬ yfg ¬ z]o/ – – – – –

@= ¬ sDkgLsf] ¬ yfg ¬ z]o/ – – – – –

#= ¬ sDkgLsf] ¬ yfg ¬ z]o/ – – – – –

hDdf – – – – –

Page 38: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^

cGo shf{

qm=;+= ljj/0f o; jif{ ut jif{

cg';"rL– @)

-s_ bL3{sfnLg

!= clestf{nfO{ shf{ –���� –�����

@= sd{rf/LnfO{ shf{ –���� –�����

#= cGo -ljj/0f v'nfpg]_ –���� –�����

���hDdf –���� –�����

-v_ cNksfnLg

!= clestf{nfO{ shf{ –���� –�����

@= sd{rf/LnfO{ shf{ –���� –�����

#= cGo -ljj/0f v'nfpg]_ –���� –�����

���hDdf –���� –�����

gub tyf a}+s df}Hbft

qm=;+= ljj/0f o; jif{ ut jif{

cg';"rL– !(

!= gub df}Hbft !!,!&& &,$^#

���hDdf !!,!&& &,$^#

@= a}+s df}Hbft

-s_ jfl0fHo a}+sx¿sf] df}Hbft !*,!^,(%! *!,^%,%!)

-v_ ljsf; a}+sx¿sf] df}Hbft @%,%@,$#% ^,&#,#&#

-u_ ljQLo ;+:yfx¿sf] df}Hbft !&,@&,^$) (,)@,@)*

-3_ cGo

r]s df}Hbft @,!),(#,&*# @,!@,!$,%%@

hDdf @,&!,(),*)( #,)(,%%,^$#

s'n @,&@,)!,(*^ #,)(,^#,!)^

Page 39: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^

#&

cGo ;DklQ

qm=;+= ljj/0f o; jif{ ut jif{

cg';"rL– @!

!= nufgLaf6 k|fKt x'g af“sL cfo ^,^(,*^! !$,@*,))$@= shf{af6 k|fKt x'g af“sL Aofh –���� –���#= cGo aLdsaf6 k|fKt x'g af“sL –���� –���$= k'gaL{dsaf6 k|fKt x'g af“sL #,*&,($,(%) !!,($,#!@%= ljljw cf;fdL #,#(,(),%(& @,*%,#$,&*!^= clu|d e'QmfgL $,%#,*(^ #,)^,###&= sd{rf/L k]ZsL @^,#^,^#$ (,^^,&(!*= cGo k]ZsL !,)$,&#! !),@%,)))(= w/f}6L ^,(^,*%) %,*#,)%)!)= c;'n x'g af“sL aLdfz'Ns –���� –�����

Go"gM c;'n x'g af“sL aLdfz'Ns d'NtaL (Suspense) –���� –�����!!= cGo ljj/0f –���� –�����

s_ ;6j]o/ vl/bsf] nflu clu|d e'QmfgL #%,&$,^&^ –�����v_ clu|d bfjL Joj:yf ^%,&%,))) !!,)),)))u_ cGo ;DklQ *^,#^! ^#,$$)3_ dflh{g dgL @,*!,@%) !,^%,@%)ª_ clu|d cfos/ !,%*,%$,%*@ (@,@^,()!r_ k/ ;fl/Psf] s/ !$,$^,(%( –����

hDdf !),%!,^^,#$& $,$%,(#,*^#

rfn' bfloTj

qm=;+= ljj/0f o; jif{ ut jif{

cg';"rL– @@

!= clestf{nfO{ lbg af“sL !*,%(,^%( @!,*$,$^)@= cGo aLdsnfO{ lbg af“sL !,#^,(%,(!@ –����#= k'gaL{dsnfO{ lbg af“sL #,)!,$&,#^^ %,*^,$&,$*$$= cNksflng ;fk6L $,^%,#@,!^( !,^^,(*,!%(%= aLdfz'Ns w/f}6L ##) (,((,!^(^= k"0f{ ljj/0f gv'n]sf] aLdfz'Ns #!,%&@ –�����&= ljljw ;fx" %,*#,*$,)#( !,!$,*&,&&%*= ;xfos÷xf]lN8¨ sDkgLnfO{ lbg af“sL –���� –�����(= >f]tdf s§f ul/Psf] s/ ltg{ af“sL #%,&@,)&) @!,)!,*!*!)= d"No clej[l4 s/ ltg{ af“sL $!,&!,#$@ $$,($,#@@!!= cfos/ ltg{ af“sL –���� –�����!@= ;]jf z'Ns ltg{ af“sL #$,$$,)!* #@,!!,%&$!#= sd{rf/LnfO{ lbg af“sL af]g; !*,%!,&*& @,&^,$!!!$= ;+rfnsnfO{ lbg af“sL #,$)) –�����!%= e'QmfgL lbg af“sL nfef+z -8]le8]08_ (#,&%,))) –�����!^= cGo

-s_ cu|Ld uf8L ;'ljwf !#,)*,@@^ *,$),%%@hDdf !&,$#,&^,*() !),)(,$!,&@$

Page 40: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^

#*

c;dfKt hf]lvd Joj:yf

qm=;+= ljj/0f o; jif{ ut jif{

cg';"rL– @#

!= clUg aLdfsf] c;dfKt hf]lvd hu]8f @$,$*,&*( !*,(&,#!$

@= ;fd'lb|s aLdfsf] c;dfKt hf]lvd hu]8f

rfn' cf=j=sf] @!,(!,^(! @@,@$,*%*

Ps cf=j= cl3sf] @@,@$,*%* #,^@,$^^

b'O{ cf=j= cl3sf] #,^@,$^^ –��

hDdf $&,&(,)!% @%,*&,#@$

#= df]6/ aLdfsf] c;dfKt hf]lvd hu]8f @,&!,$%,&)& @,@#,$(,#&!

$= OlGhgLol/¨ aLdfsf] c;dfKt hf]lvd hu]8f @,%^,$^$ #,$^,@)&

%= xjfO{ aLdfsf] c;dfKt hf]lvd hu]8f !,$),$!& #,)%,$^&

^= ljljw aLdfsf] c;dfKt hf]lvd hu]8f &^,)^,(%% ^#,%@,^#*

��s'n $,@#,&&,#$* #,#*,#*,#@@

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Page 42: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^

$)

ckn]vg ÷ ;dfof]hg x'g af“sL ljljw vr{x¿

qm=;+= ljj/0f o; jif{ ut jif{

cg';"rL– @$

!= ckn]vg ug{ af“sL k|f/lDes vr{ –��� –���

@= ckn]vg ug{ af“sL k"j{ ;+rfng vr{ –��� –���

#= ckn]vg ug{ af“sL :yug ul/Psf vr{ @*,#%,@%% #&,*),#$)

$= cGo

ckn]vg ug{ af“sL art C0fkqsf] lk|ldod !&,)),*^! –���

��hDdf $%,#^,!!^ #&,*),#$)

Page 43: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^

$!

ljQLo ljj/0f;+u ;DalGwt k|d'v n]vf gLltx¿

cg';"rL– @%

-s_ lzv/ OG:of]/]G; sDkgL ln= g]kfndf :yflkt ;Lldt bfloTj ePsf] sDkgL xf] . of] sDkgL g]kfn lwtf]kq lalgdoahf/ ln=df ;"lrs[t ePsf] tyf aLdf ;ldltaf6 aLdf P]g, @)$( sf] bkmf !) sf] pkbkmf # tyf aLdflgodfjnL, @)$( sf] lgod * sf] pklgod -!_ adf]lhd ldlt @)^! ;fn sflt{s @^ ut] aLdssf] k|df0f–kqk|fKt eO{ aLdf Joj;fo ;~rfng ug{ :jLs[lt k|fKt sDkgL xf] .

-v_ ljQLo ljj/0Fx¿ tof/ kfbf{ cfwf/ dflgPsf n]vf gLltx¿ tn pNn]v ul/Psf 5g\ . cGoyf n]lvPsf]df afx]soL gLltx¿sf] kfngf lg/Gt/ ¿kdf ul/Psf] 5 .

!= ljQLo ljj/0F tof/Lsf cfwf/x¿M

lzv/ OG:of]/]G; sDkgL ln=sf] ljQLo ljj/0Fx¿, cGoyf pNn]v u/]sf] afx]s, aLdf P]g, Pj+ lgodfjnL@)$(, aLdf ;ldltsf] lgb]{zg, sDkgL P]g, @)^#, g]kfn n]vfdfg tyf cGo k|rlnt n]vfdfg, tyf ;fdfGotdfGo n]vfsf l;4fGtx¿sf] clwgdf /xL tof/ ul/Psf] 5 .

ljQLo ljj/0Fx¿ P]ltxfl;s nfutsf] cfwf/df tof/ kfl/Psf 5g\ . g]kfn n]vfdfgx¿ tyf n]vfsf ;j{dfGol;4fGtx¿ cg'¿k ljQLo ljj/0Fx¿ tof/ kfbf{ s]xL cfjZos n]vf cg'dfgx¿ ul/Psf 5g\ .

ljQLo ljj/0Fx¿ Going Concern Assumption sf cfwf/df tof/ kfl/Psf 5g\ .

@= l:y/ ;DklQ n]vf°g gLltM

l:y/ ;DklQx¿ P]ltxfl;s d"No cjwf/0fdf ¥xf; s§f u/L b]vfOPsf] 5 . P]ltxfl;s d"Nodf l:y/ ;DklQsf]k|To]s zLif{s cGtu{t ;DklQ vl/b ubf{ k|ToIf ¿kdf nfu]sf vr{x¿ ;dfj]z ul/Psf 5g\ . ;DklQ k|fKtug{sf nflu ul/Psf] vr{ klg k"“hLs/0F ul/Psf] 5 .

#= ¥xf; s§L gLltM

cfos/ P]g, @)%* sf] bkmf !( tyf cg';"rL @ sf] b/ tyf k"“hLs/0F ljlw adf]lhd ¥xf; s§L ul/Psf]5 . sDkgLn] ckgfPsf] ¥xf; s§L gLlt g]kfn n]vfdfg ^ (NAS 06 - Property, Plant and Equipment) cg';f/5}g .

$= k"“hLs[t gul/g] ;DklQx¿ ;DaGwL n]vf°g gLltM

¿= %))) eGbf sd d"Nosf] ;DklQnfO{ vl/b ul/Ps} ;dodf vr{ n]lvPsf] 5 .

%= cfos/ Joj:yf gLltM

cfos/ P]g, @)%* sf] clwgdf /xL cfos/ Joj:yf ul/Psf] 5 .

ljQLo ljj/0F cg';f/sf] ;DklQ tyf bfloTjsf] /sd tyf s/sf] cfwf/aLr km/s eO{ >[hgf x'g] c:yfoLcGt/ (Temporary Difference) sf] sf/0Fn] eljiodf >[hgf x'g] s/ bfloTj tyf ;DklQsf] nut /fVg] p2]Zon]:yug s/sf] n]vfÍg ul/Psf] 5 . :yug s/ ;DklQ tyf bfloTj dfkg ug{sf nflu h'g aif{df c:yfoLcGt/ ;dfof]hg x'g ;S5 ;f]xL aif{sf nflu P]gåf/f nfu" eO;s]sf]] s/sf] b/ jf xfnsf] s/sf] b/ nfu"x'g] cg'dfg ul/Psf] 5 . ;fy} :yug s/ ;DklQnfO{ eljiodf kof{Kt s/of]Uo cfo l;lh{t eO{ pQm s/of]Uocfodf ;dfof]hg ug{ ;Sg] cg'dfg u/L n]vfÍg ul/Psf] 5 .

^= nufgL n]vf°g gLltM

nufgL n]vfÍgsf] ;DaGwdf sDkgLn] aLdf ;ldltsf] nufgL lgb]{lzsfsf] clwgdf /xL b]xfo adf]lhd nufgLul/Psf] 5 .

-s_ g]kfn ;/sf/sf] artkq jf C0fkq jf g]kfn ;/sf/sf] hdfgt k|fKt C0Fkqdf ul/Psf] nufgLnfO{

Page 44: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^

$@

c+lst d"No jf k/n d"NodWo] h'g 36L 5 ;f]xL d"Nodf n]vfÍg ul/Psf] 5 . nufgLsf] c+lst d"NoeGbfk/n d"No a9L ePdf To:tf] a9L /sdnfO{ nufgLsf] cjlw el/df ckn]vg ul/Psf] 5 .

-v_ klAns lnld6]8 sDkgLn]] hf/L u/]sf] C0fkqx¿sf] nufgL n]vfÍg k/n d"Nosf] cfwf/df ul/Psf] 5 .-u_ a}+s tyf ljQLo ;+:yfsf] d'2lt lgIf]kdf ul/Psf] nufgLnfO{ ;f“jf /sddf b]vfO{Psf] 5 .

&= ;6xL 36a9 ;dfof]hg gLltM

ljb]zL d'b|fdf /x]sf] ;DklQ Pj+ bfloŒjx¿nfO{ jiff{Gtdf /x]sf] ljlgdo b/n] g]kfnL ¿k}of“df ¿kfGt/0F ul/Psf]5 . sDkgLn] ljb]zL d'b|f k|fKt ldlt jf k7fPsf] ldltdf sfod /x]sf] ljlgdo b/nfO{ cfwf/ dfgL n]vfÍgul/Psf] 5 . lng lbg kg]{ ePdf aif{sf] cGTodf sfod /x]sf] ljlgdo b/sf] cfwf/df km/s kg{ hfg] /sdnfO{ljlgdodf gfkmf jf gf]S;fg lx;fadf b]vfpg] gLlt cjnDjg ul/Psf] 5 .

*= aLdfz'Ns cfDbfgL n]vf°g gLltM

-s_ aLdfz'Ns cfDbfgL gub k|flKtsf] cfwf/df af“Wg] gLlt lnPsf] 5 . aLdfz'Ns cfDbfgL gub k|fKt ldlteGbf aLdfz'Ns e'QmfgL ug{'kg]{ ldlt kl5 ePdf kl5Nnf] ldltdf z'Ns cfDbfgL a“fWg] gLlt lnOPsf]5 . ;fy} n]vfk/LIf0f cjlw leq sDkgLdf bflvnf ePsf aLdfz'NsnfO{ klg cfDbfgLdf hgfOPsf] 5 .

-v_ k'gaL{df :jLsf/ u/] afkt k|fKt x'g] aLdfz'Ns cfDbfgLsf] n]v k|f]befjL (Accural) cfwf/df ul/Psf] 5 .

-u_ aLdfz'Ns Ps aif{eGbf a9L cjlwsf] nflu Psd'i6 k|fKt ePdf aLdf cjlwsf] ;dfg'kflts ¿kdf rfn'cfly{s aif{sf] nflu x'g cfpg] aLdfz'Ns cfDbfgL af“wL af“sL /x]sf] /sd 5'§} w/F}6L vftfdf /flvPsf]5 .

-3_ w/f}6L vftfdf /FlvPsf] /sdaf6 kl5Nnf jif{x¿df aLdf cjlwsf] ;dfg'kflts ¿kdf aLdfz'Ns cfDbfgLaf“Wg] gLlt /x]sf] 5 .

(= k'gaL{df sldzg cfDbfgL n]vf°g gLltM

k'gaL{df sDkgLaf6 k|fKt sldzgnfO{ gub k|flKt jf k'gaL{df sDkgLaf6 ;dy{g k|fKtsf] cfwf/df cfDbfgLn]vfÍg ul/Psf] 5 .

!)= cGo cfo n]vf°g tyf af“8kmf“8 gLltM

cGo cfo n]vfÍg g]kfn n]vfdfg cg';f/ k|f]befjL cfwf/df (Accrual Basis) ul/Psf] 5 . aLdf ;ldltsf]lgb]{zgsf] clwgdf /xL nufgL, shf{ tyf cGoaf6 ePsf] cfonfO{ rfn' cf=j= df k|To]s aLdf Aoj;fosf]ef/ tyf sDkgLsf] ut cfiff9 d;fGtsf] g]6 jy{ (Net Worth) nfO{ gfkmf–gf]S;fg lx;fasf] ef/ dfgL ;DalGwtaLdf Aoj;fosf] cfo–Aoo lx;fadf / gfkmf–gf]S;fg lx;fadf af“8kmf“8 ug]{ gLlt /x]sf] 5 .

!!= shf{ n]vf°g gLltM

sDkgLn] cfgf]] sd{rf/Lx¿nfO{ sDkgLsf] sd{rf/L lgodfjnL cGtu{t /xL lbOPsf] shf{ afx]s c¿ s'g}klg k|sf/sf shf{ lnPsf] jf lbPsf] 5}g .

!@= Aoj:yfkg vr{ af“8kmf“8 gLltM

aLdf ;ldltsf] lgb]{zgsf] cfwf/df Joj:yfkg vr{sf] !) k|ltzt /sd gfkmf–gf]S;fg lx;fadf vr{ b]vfO{af“sL /sdnfO{ ;DalGwt aLdf Joj;fosf] k|ToIf aLdfz'Nsdf clestf{ sldzg s§f u/L x'g cfpg] /sdnfO{To; aLdf Joj;fosf] ef/ dfgL ;a} aLdf Joj;fosf] cfo–Joo lx;fadf af“8kmf“8 ug]{ gLlt o; jif{b]lvcjnDag ul/Psf] 5 .

!#= aLdf bfjL e'QmfgL vr{ n]vf°g gLltM

sDkgLn] bfaLsf] nfut u0Fgf ubf{ aLdfn]v adf]lhd e'QmfgL ug'{kg]{ /sd tyf ;f] bfjL km5\of}{6sf] nflucfjZos k/fdz{ tyf cg';Gwfg vr{ ;dfj]z u/L n]vfÍg ul/Psf] 5 . t/ aLdssf] kbflwsf/L jf sd{rf/Ln]u/]sf] sfdsf] kfl/>lds / cGo vr{ afktsf] /sd ;dfj]z u/]sf] 5}g .

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$#

!$= aLdf bfjL afkt bfloTj Joj:yf n]vf°g gLltM

;"lrt ul/Psf] aLdf bfjL afkt bfloTj Joj:yf v'b ltg{ af“sL bfaL /sdsf] !!% k|ltztn] ul/Psf] 5 .

!%= v'b gfkmf af“8kmf“8 gLltM

gfkmf–gf]S;fg lx;faaf6 cfPsf] v'b gfkmfaf6 %) k|ltzt /sd aLdf ;ldltsf] lgb]{zg adf]lhd k|To]slsl;dsf] aLdf sf]ifdf cfo–Joo lx;faaf6 cfPsf] artsf] cg'kftdf / gf]S;fg cfPdf ;f] sf]ifdf z"Goa/fa/sf] /sd /flvPsf] 5 .

!^= sd{rf/L pkbfg, ljbf tyf cGo ;'ljwf afkt Joj:yf gLltM

-s_ ;~ro sf]if (Providend fund)

;~ro sf]if jfkt sDkgLn] u/]sf] of]ubfg /sdnfO{ vr{ b]vfO{ :jLj[mt cjsfz sf]if -sd{rf/L ;~rosf]if sfof{no_ df hDdf ug]{ Joj:yf ul/Psf] 5 .

-v_ pkbfg (Gratuity)

sDkgLsf] sd{rf/L lgodfjnLdf Joj:yf eP cg';f/ # jif{ jf To;eGbf a9L sDkgLdf :yfoL ;]jfu/]sf sd{rf/Lx¿sf nflu ;f]xL lgodfjnL adf]lhd x'g] bfloTjsf] lx;fa u/L Accural Basis df Joj:yful/Psf] 5 .

-u_ ;+lrt ljbf (Leave Encashment)

sd{rf/Lsf] ljbf tyf cGo ;'ljwf jfkt sDkgLn] ul/Psf] vr{nfO{ k|f]tefjL cfwf/df n]vfÍg ul/Psf]5 .pkbfg, ljbf tyf cGo ;'ljwf jfktsf] /sdsf] e'QmfgL, e'QmfgL ul/g] ;dosf] clGtd tnadfg(Payment on the basis of last drawan salary) cg';f/ ul/Psf] 5 .

!&= z+sf:kb cf;fdL Joj:yf gLltMz+sf:kb cf;fdLnfO{ ztk|ltzt Aoj:yf u/L gfkmf–gf]S;fg lx;fa cGtu{t vr{df n]vfÍg ul/g] gLltsDkgLn] ckgfPsf] 5 . pQm Joj:yf ul/Psf] /sd k|fKt ePdf k|fKt ePsf] cfly{s jif{df cfDbfgL n]vfÍgul/g] 5 .

!*= ckn]vg vr{ n]vf°g gLltM-s_ ckn]vg vr{ gfkmf–gf]S;fg lx;fadf s'n vr{nfO{ % jif{ cjlw ;Dddf Go"g x'g] u/L Straight line method

cfwf/df vr{ hgfO{Psf] 5 .-v_ c+lst d"No eGbf k/n d"No a9L ePsf] nufgLsf] v08df To:tf] a9L /sdnfO{ nufgLsf] cjlw el/

ckn]vg u/L vr{ n]vfÍg ul/g] 5 .

!(= c;dfKt hf]lvd hu]8f (Unexpired Risk Reserves)

aLdf lgodfjnL, @)$( lgod !% -v_ cg'¿k sDkgLn] clUg, ;fd'lGb|s, df]6/, OlGhlgol/¨, xjfO{ tyfljljw aLdftkm{ v'b aLdfz'Ns cfDbfgLsf] %) k|ltzt /sd c;dfKt hf]lvd hu]8fdf b]vfO{Psf] 5 . o;/LAoj:yf ul/Psf] /sdnfO{ kl5Nnf] cfly{s aif{df cfDbfgL hgfO{Psf] 5 . t/ ;fd'lGb|s aLdfsf] xsdf o;/LAoj:yf ul/Psf] /sdnfO{ # aif{ kl5sf] cfly{s aif{df cfDbfgL hgfO{Psf] 5 .

@)= dxfljklQ sf]ifaLdf ;ldltåf/f dxfljklQ sf]ifdf ;fg'{kg]{ /sdsf] af/]df s'g} Joj:yf gu/]sf] x'gfn] o; cfly{s jif{df pQmsf]ifdf s'g} /sd Joj:yf ul/Psf] 5}g .

@!= hu]8f tyf sf]ifhu]8f tyf sf]if aLdf ;ldltn] hf/L u/]sf] lghL{jg aLdf Joj;fo ug]{ aLdssf] ljQLo ljj/0f ;DaGwLlgb]{zg adf]lhd v8f ul/Psf] 5 .

@@= aLdfsf]ifaLdf ;ldltsf] lgb]{zg adf]lhd k|To]s lsl;dsf] aLdfsf] nflu 5'§f5'§} aLdfsf]if /fVg'kg]{ k|fjwfg5 . gfkmf–gf]S;fgaf6 cfPsf] v'b gfkmfsf] %) k|ltzt gfkmfnfO{ k|To]s lsl;dsf] aLdfsf]ifdf tf]lsP adf]lhdaf“8kmf“8 ul/Psf] 5 .

Page 46: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^

$$

ljQLo ljj/0f;+u ;DalGwt n]vf;DaGwL l6Kk0fLx¿

cg';"rL– @^n]vf ;DaGwL l6Kk0FL (Notes to Accounts)

!= ;Defljt bfloTjx¿M

c_ r'Qmf jf e'QmfgL x'g af“sL nufgL 5}g .

cf_ k|Tofe'lt k|lta4tf (Underwriting Commitments) 5}g .

O_ aLdfn]v cGtu{t eGbf afx]saf6 lbOPsf] Uof/]06L 5}g .

O{_ Joj;fo sf/f]jf/sf] l;nl;nfdf ljleGg lgsfo Pj+ ;+3–;+:yfx¿åf/f cf≈jfg ul/Psf af]nkqsf] ;t{ cg'¿kdflh{g dgL :j¿k ¿= @,*!,@%)=)) /flvPsf] 5 .

p_ cGo bfloTjx¿ 5}g .

@= e'QmfgL ug{ af“sL bfjL afkt bfloTj d"Nof°g ubf{ cjnDag ul/Psf cfwf/x¿M

e'QmfgL ug{ af“sL bfjL afkt bfloTjsf] d"NofÍg laut jif{sf] cg'ej / ;e]{o/;+u ul/Psf] k/Fdz{ cg';f/ ul/Psf]5 . aLdf lgofdfjnL, @)$( sf] lgod !%-3_ sf] Joj:yf cg'¿k ;"lrt ul/Psf] bfaLsf] cg'dflgt bfloTjdfsDkgLsf] c+zsf] !!% k|ltztn] x'g cfpg] /sd bfaL afkt Joj:yf ul/Psf] 5 .

#= aLdssf] ;DklQdf cfPsf] l;ldttf tyf ljjfbx¿Mo; sDkgLn] ldlt @)^#÷^÷^ df /flhj ljqmd zfx;+u vl/b u/]sf] sf=lh=sf=d=g=kf= j8f g+= !! ls=g= @#%(sf] If]=km= #–!)–)–) hUufdf ldlt @)^$÷(÷!* df uLtf /fHo nIdL b]jL l;+xn] sDkgL lj¿4 sf7df8f}+ lhNnfcfbfntdf /flhgfdfsf] lnvt btf{ jb/ / hfn;fhL d'4f bfo/ u/L pQm d'4f cbfntdf ljrf/flwg /x]sf] 5 .ljkIfLn] pQm d'2fdf sDkgLsf] hUuf laqmL ljt/0f tyf xs x:tfGt/0f /f]s nufpg dfu u/] cg'¿k sf=lh=c=sf]cfb]zn] xfn hUuf /f]Ssf /x]sf] cj:yf 5 . pQm /f]Ssf lj?4 km's'jf u/L kfp“ egL sDkgLn] lgj]bg u/]sf]df;Ddflgt cbfntaf6 ldlt @)^%÷!@÷!$ df /f]SsfnfO{ lg/Gt/tf lbg] cfb]z e} ;f] pk/ sDkgL c=j= !& g+=adf]lhd k'g/fj]bg cbfnt kf6gdf lgj]bg u/L ;f] lgj]bg k'k{Ifsf qmddf cbfntdf ljrf/flwg /x]sf] cj:yf5 . o;} aLr d'2fsf] lkm/fbstf{ uLtf/fHo nIdL l;+xåf/f lzv/ OG:of/]G; s+= ln= n] d'2f k/]sf] ljjflbt hUufdfejg lgdf{0f u/L /x]sf]n] ejg lgdf{0f /f]Ssf /fvL kfp“ egL lgif]wf1f d'2f ldlt @)^%÷!@÷@# df ;Ddflgtk'g/fj]bg cbfnt kf6g ;dIf bfo/ u/L cGtl/d cfb]zsf] ;d]t dfu ug'{ePsf] lyof] . k'g/fj]bg cbfnt kf6gaf6tTsfn cGtl/d cfb]z hf/L gu/L sDkgLnfO{ 5nkmnsf] nflu af]nfPsf]df ldlt @)^^÷!÷@( ut] pQm lgif]wf1fd'2f g} vf/]h ug]{ lg0f{o ePsf] 5 .

$= shf{, nufgL tyf l:y/ ;DklQsf] nflu k|ltj4tfMshf{ nufgL tyf l:y/ ;DklQsf] nflu s'g} klg k|ltj4tf hgfOPsf] 5}g .

%= nufgL;+u ;DalGwt b]xfosf vl/b laqmL ;Demf}tfx¿sf] d"NoMc_ vl/b ul/Psf] ;DklQsf] :jfldTj k|fKt gePsf] 5}g .cf_ laqmL ul/Psf] ;DklQsf] e'QmfgL k|fKt e} g;s]sf] 5}g .

^= o; jif{e/L ul/Psf] nufgL tyf laqmL / lkmtf{ lnPsf] nufgLsf] ljj/0FMo; jif{e/L ul/Psf] nufgLx¿sf] ljj/0F o; k|sf/ 5 .g]kfn ;/sf/ / g]kfn /fi6«a}+ssf] C0Fkq ÷ art kq ¿= !,*$,&%,)))=))afl0FHo a}+ssf] d'2tL lgIf]k ¿= #,)),)),)))=))lasf; a}+ssf] d'2tL lgIf]k ¿= @%,)),)))=))ljQLo ;+:yfsf] d'2tL lgIf]k ¿= #%,)),)))=))jfl0fHo a}+ssf] C0fkq÷a08 ¿= $^,*),)))cGo Jofh k|fKt lgIf]k ¿= ^,%%,(*&

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$%

o; aif{ e/Ldf laqmL lkmtf{ ePsf nufgL o; k|sf/ 5g\ .afl0FHo a}+ssf] d'2tL lgIf]k ¿= #,%),)),)))=))lasf; a}+ssf] d'2tL lgIf]k ¿= @%,)),)))=))ljQLo ;+:yfsf] d'2tL lgIf]k ¿= #),)),)))=))

&= a}+s df}Hbft lx;fa ;DaGwdf ;DalGwt a}+s÷ljQLo ;+:yfsf] ;dy{g ;lxtsf] lx;fa ldnfg ;DaGwL Joxf]/fMafl0FHo a}+s, lasf; a}+s tyf ljQLo ;+:yfx¿df /x]sf] a}+s df}Hbft sDkgLsf] lx;fa;“u ldnfg ul/;s]sf] /;DalGwt ;+:yfx¿af6 dF}Hbft ;dy{g kq k|fKt e};s]sf] 5 .

*= k'gaL{ds;+u lng' lbg' af“sL lx;fa ;DaGwdf ;DalGwt k'gaL{dssf] ;dy{g ;lxtsf] lx;fa ldnfg ;DaGwL Joxf]/fMk'gaL{ds;+u lng' lbg' af“sL lx;fa ;DaGwdf -cfly{s aif{ @)^$÷@)^% cfiff9 d;fGt ;Ddsf]_ aLds÷k'gaL{dssf];dy{g kq k|fKt eO{ cfjZos ;dfof]hg ul/;s]sf] 5 .

(= aLdsn] u/]sf] nufgL k|rlnt aLdf P]g, lgodfjnL tyf aLdf ;ldltaf6 tf]lsP adf]lhd /x] g/x]sf]MlgDg Joxf]/f afx]s o; sDkgLn] u/]sf] nufgL k|rlnt aLdf P]g, lgodfjnL tyf aLdf ;ldltsf] lgb]{zg adf]lhd/x]sf] 5 .

!)= aLdssf] ;+rfns jf ;+rfns;+u ;DalGwt JolQm jf ;+:yf;+u ePsf] sf/f]af/Mo; sDkgLn] ;+rfns tyf ;+rfns;+u ;DalGwt JolQm jf ;+:yf / sDkgLsf ;+:yfksx¿af6 hDdf¿= !@,*@,@%,$**=%^ a/Fa/sf] aLdf lk|ldod k|FKt u/]sf] 5 / ¿= ((,@@,)($=)# a/fa/sf] aLdf bfaL e'QmfgLu/]sf] 5 .

!!= aLdsn] cfgf] ;DklQsf] ;'/If0fdf lnPsf] C0fsf] lwtf], zt{ tyf cf}lrToMsDkgLn] cfgf] d'2tL lgIf]k nufgLnfO{ lwtf] /fvL jfl0fHo a}+saf6 Overdraft facility lnPsf] 5 .

!@= cfos/M!@=! cfos/sf] Aoj:yf

cfos/sf] Aoj:yf cfos/ P]g, @)%* adf]lhd ul/Psf] 5 . sDkgLsf] cf=j= @)^@÷^# ;Ddsf] s/ r'Qmfk|df0f–kq k|fKt eO;s]sf] 5 . cf=j= @)^#÷^$ sf] s/ lgwf{/0F cfGtl/s /fhZj sfof{noaf6 ePsf]5}g .

!@=@ k/ ;fl/Psf] s/ (Deferred Tax Assets) :

k/ ;fl/Psf] s/ (Deferred Tax) sf] lx;fa lgDgfg';f/ ul/Psf] 5 M

!#= lkmtf{ u/]sf] aLdfz'Nssf] kl/df0F / sf/0FM

o; cf=j=df sDkgLn] ¿= @,**,%),%@)=$^ aLdfz'Ns lgDg sf/0Fx¿n] ubf{ lkmtf{ u/]sf] 5 Ms_ laldtsf] cg'/f]wdf aLdf+s /sd 36fOPsf] .v_ bf]xf]/F] aLdfn]v hf/L x'g uPsf] .

ljj/0f /sd ¿=z+sf:kb cf;fdL Joj:yf #*,#$,)!%=(@labf tyf pkbfg Joj:yf &,%(,%)^=!@hDdf s/of]Uo cfo $%,(#,%@@=)$k/ ;fl/Psf] s/ !$,$^,(%(=$$

k/ ;fl/Psf] s/nfO{ cGo ;DklQ cGtu{t b]vfO{Psf] 5 .

nufgLsf] k|sf/ nufgL k|ltzt kl/kq cg'¿k x'g'kg]{ nufgL ¿= s}lkmot

g]kfn /fi6« a}+ssf] C0fkq !$=** sDtLdf !%∞ ck'u nufgL

Page 48: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^

u_ k|lttkq /2 x'g uPsf] .3_ aLdfn]vdf jxg ul/Psf] hf]lvd x6fOPsf] .

!$= ckn]vg x'g af“sL vr{sf] ljj/0FM

cg';"rL @$ cGtu{t ckn]vg x'g af“sL vr{ jfkt ljj/0f lgDg cg';f/ 5 .

!%= r'Qmf k"“hLdWo] clu|d e'QmfgL k|fKt (Paid in advance), e'QmfgL k|fKt x'g af“sL (Call in arrears) / hkmt ul/Psft/ k'gM lgisfzg gul/Psf] z]o/ 5}g .

!^= lnh xf]N8 ;DklQdf ut jif{;Dd / o; jif{ ckn]vg (Amortization) ul/Psf] /sd 5}g .!&= aif{ el/df ePsf] jf;nft aflx/sf] sf/f]jf/sf] ljj/0F 5}g .

!*= cl3Nnf aif{x¿;+u ;DalGwt cfDbfgL tyf vr{x¿M

cfslids aLdfsf]ifaf6 cfo jif{ @)^@÷)^# tyf @)^#÷)^$ sf] sldzg cfo ¿= !&,$@,!$*=!% nfO{ cl3Nnfjif{;+u ;DalGwt cfodf b]vfO{Psf] 5 .

!(= ut jif{sf] /sdx¿nfO{ cfjZostfg';f/ k'gM juL{s/0f tyf k'gM ;d"lxs/0f ul/Psf 5g\ / ;a} cÍx¿ lgs6td¿k}of“df b]vfOPsf] 5 .

@)= cGo hu]8f sf]ifM

cfly{s aif{ ;dfKt eP kZrft\ n]vfk/LIf0F cjlw leq k|fKt aLdfz'Ns /sd, xjfO{ aLdf afkt c;'n x'g af“sLaLdfz'NsnfO{ cGo hu]8f afkt gfkmf–gf]S;fg lx;fadf hgfO{Psf] 5 . pQm hu]8f sf]ifnfO{ cg';"rL !$ cGtu{tcGo hu]8fdf b]vfO{Psf] 5 .

ljj/0f /sd ¿=z]o/ lgisfzg vr{ @*,#%,@%%nufgLdf lk|ldod em'QmfgL !&,)),*^!s'n ckn]vg x'g af“sL vr{ $%,#^,!!^

Page 49: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^

$&

k|d'v ;"rsf°x¿ cg';"rL– @&

qm=;+=@)^$÷)^% @)^#÷)^$

cf=j=;"rsf°ljj/0f

!= g]6 jy{ -lstfaL d"No_ ¿= !$,@*,^!,))$=)) !#,)(,@%,@@%=))

@= z]o/ ;+Vof ;+Vof !@,%),))) !@,%),)))

#= k|lt z]o/ lstfaL d"No ¿= !!$=@( !)%=&$

$= v'b gfkmf ¿= !,@^,(!,%%^=)) !,!@,#%,&&(=))

%= k|lt z]o/ cfo (EPS) ¿= !)=)) (=((

^= k|lt z]o/ nfef+z (DPS) ¿= – &=%)

&= k|lt z]o/ ahf/ d"No (MPPS) ¿= $%%=)) @()=)#

*= d"No cfDbfgL cg'kft (PE Ratio) cg'kft $%=$( @(=)#

(= v'b aLdfz'Ns÷s'n aLdfz'Ns k|ltzt @#=!! @)=*%

!)= v'b gfkmf÷s'n aLdfz'Ns k|ltzt #=^( #=%)

!!= s'n aLdfz'Ns÷s'n ;DklQ k|ltzt *(=!( !)(=))

!@= nufgL / shf{{af6 cfo÷s'n nufgL / shf{ k|ltzt ^=!$ $=(#

!#= k'gaL{df sldzg cfo÷s'n k'gaL{df z'Ns k|ltzt !@=@@ !$=))

!$= Joj:yfkg vr{÷s'n aLdfz'Ns k|ltzt !!=)! !)=&)

!%= aLdf clestf{ ;DaGwL vr{÷s'n aLdfz'Ns k|ltzt $=(^ $=**

!^= aLdf clestf{ ;+Vof ;+Vof &* ^&

!&= sd{rf/L ;+Vof ;+Vof &( &)

!*= sfof{nosf] ;+Vof ;+Vof ^ ^

!(= sd{rf/Lsf] ;+Vof÷Joj:yfkg vr{ k|ltzt $(=#^ $@=@$

@)= sd{rf/L vr{÷sd{rf/L ;+Vof ¿= @,^%,$)*=)) @,)&,$#@=))

@!= e'QmfgL x'g af“sL bfjL /sd÷e'QmfgL ul/Psf] bfjL /sd k|ltzt $%=%% $@=))

@@= e'QmfgL x'g af“sL bfjLsf] ;+Vof÷o; jif{ e'QmfgL

ePsf] bfjLsf] ;+Vof k|ltzt (=&! !#=%)

@#= s'n sfod /x]sf] aLdfn]vsf] ;+Vof ;+Vof !*,#)^ !^,!!(

@$= o; jif{ gjLs/0f ePsf] aLdfn]vsf] ;+Vof÷

ut jif{ sfod /x]sf] aLdfn]vsf] ;+Vof k|ltzt #&=)) ##=$)

@%= bfjL k/]sf] aLdfn]vsf] ;+Vof÷

s'n sfod /x]sf] aLdfn]vsf] ;+Vof k|ltzt (=*# !!=!&

@^= ;f]Ne]G;L dflh{g k|ltzt – –

Page 50: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^

$*

Page 51: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^

@)^%÷)^^

Page 52: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^
Page 53: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^

%!

lzv/ OG:of]/]G; sDkgL lnld6]8sf]z]o/wgL dxfg'efjx¿df n]vfk/LIfssf] k|ltj]bg

xfdLn] o;};fy ;+nUg >L lzv/ OG:of]/]G; sDkgL lnld6]8sf] @)^^ cfiff9 d;fGt;Ddsf] jf;nft, ;f] ldltdf ;dfKt ePsf]cfly{s jif{sf] gfkmf–gf]S;fg lx;fa, ;DalGwt cfo–Joo lx;fa tyf gub k|jfx ljj/0fsf] n]vfk/LIf0f ;DkGg u/]sf 5f}+�. ljQLoljj/0fx¿ k|ltsf] pQ/bfloTj Joj:yfkgdf /x]sf] 5�. Joj:yfkgn] tof/ u/]sf tL ljQLo ljj/0fx¿ pk/ n]vfk/LIf0fsf] cfwf/dfcfgf] dGtJo hf/L ug'{ xfd|f] pQ/bfloTj xf]�.xfdLn] g]kfn n]vfk/LIf0f dfg tyf n]vfk/LIf0fsf] ;j{dfGo k|rngsf] cfwf/df n]vfk/LIf0f sfo{ ;DkGg u/]sf 5f}+�. ljQLoljj/0f ;f/e"t ¿kdf unt cf“s8f /lxt 5 eGg] s'/fdf ljZj:t x'gsf] nflu tL n]vfk/LIf0f dfg tyf ;j{dfGo k|rngdf/x]sf] dfu{bz{g cg';f/ n]vfk/LIf0f of]hgf tof/ u/L tb\g';f/ n]vf/LIf0f ;DkGg ug'{kb{5�. ljQLo ljj/0fdf pNn]lvt /sd /v'nfOPsf cGo ljj/0fnfO{ k'i6\ofO{+ ug]{ k|df0fsf] 58\s] k/LIf0f ;d]t n]vfk/LIf0fdf ;dfj]z x'G5�. sDkgLn] cjnDag u/]sf]n]vf l;4fGt, Joj:yfkgn] u/]sf dxŒjk"0f{ cg'dfg Pj+ ljQLo k|:t'tLsf] ;du| l:yltsf] d"NofÍg klg n]vfk/LIf0fdf ;dfj]zx'G5�. n]vfk/LIf0fn] xfd|f] dGtJonfO{ kof{Kt cfwf/ k|bfg ug]{ s'/fdf xfdL ljZj:t 5f}+�.

pk/f]Qm cfwf/df n]vfk/LIf0f u/L lgDgfg';f/ k|ltj]bg k]z u/]sf 5f}+ M–

-s_ n]vfk/LIf0fsf] ;DaGwdf ;f]wgL / s}lkmot tna ePsf] s'/fsf] hjfkm oyflz3| kfof}+�.

-v_ xfd|f] /fodf k]z ePsf] jf;nft, gfkmf–gf]S;fg lx;fa, ;DalGwt cfo–Joo lx;fa Pj+ gub k|jfx ljj/0f sDkgL P]g,@)^# tyf aLdf P]g, @)$( adf]lhd tof/ ePsf ePsf] / pQm ljj/0fx¿ sDkgLn] /fv]sf] n]vf;+u b'?:t /x]sf] 5�.

-u_ xfd|f] ljrf/df sDkgLsf] lx;fa–lstfa / n]vf sfg"g adf]lhd 7Ls;+u /flvPsf 5g\ .

-3_ xfd|f] /fodf tyf xfdLnfO{ k|fKt ;"rgf Pj+ lbOPsf :kli6s/0f tyf n]vf;+u ;Da4 l6Kk0fLx¿sf ;fy ;+nUg lx;fa cWoogubf{M–

i) jf;nftsf] ;DaGwdf cfiff9 #!, @)^^ sf] sDkgLsf] cfly{s cj:yf,

ii) gfkmf–gf]S;fg lx;fan] ;f]xL ldltdf ;dfKt ePsf] jif{sf] gfkmf, /

iii) gub k|jfx ljj/0fn] ;f]xL ldltdf ;dfKt ePsf] jif{sf] gub k|jfx ;d]tsf] ;xL / ;d"lrt lrq0f ub{5 .

-ª_ xfd|f] /fo tyf xfdLnfO{ k|fKt hfgsf/L Pj+ lbOPsf :kli6s/0f / sDkgLsf] lx;fa lstfasf] k/LIf0faf6 ;+rfns ;ldltjf sDkgLsf s'g} sd{rf/Ln] sfg"gL Joj:yf ljkl/t sfdsfh jf a]lx;fa u/]sf] jf hfgfhfg sDkgLnfO{ xfgL–gf]S;fgLu/]sf] jf lxgfldgf u/]sf] xfd|f] hfgsf/Ldf cfPsf] 5}g .

-r_ aLdf ;ldltsf] :jLs[ltsf nflu ldlt @)^^.!!.@! sf] n]vfk/LIfssf] k|ltj]bg k]z u/]sf]df aLdf ;ldltsf] ldlt @)^^.!@.!(sf] lgb]{zg ;lxtsf] a'“bfx¿nfO{ ;dfj]z u/L of] k|ltj]bg k]z u/]sf 5f}+ .

sf7df8f}+

ldltM– @)^^÷!@÷#!

lgM la= s]= cu|jfn P08 s+=rf6{8{ PsfpG6]06\;

la= s]= cu|jfn;fem]bf/

Saraswati Vatika122 Pannahiti MargSifal Ward No. 7P.O. Box 3761Kathmandu, Nepal

T: +977 1 4467694, 4481865F: +977 1 4480065E: [email protected]• Business Alliance Associate of Crowe Horwath International

la= s]= cu|jfn P08 s+=B. K. Agrawal & Co.Chartered Accountants

Page 54: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^

%@

lzv/ OG:of]/]G; sDkgL lnld6]8cf=j= @)^%÷)^^ sf] jf;nft

qm=;+= ljj/0f cg';"rL o; jif{ ut jif{

;|f]t!= r'Qmf k"“hL !# !@,%),)),))) !@,%),)),)))@= hu]8f tyf sf]if !$ !,@*,)$,%!# $,)$,!^,^@^#= aLdf sf]if !@ !,*@,!*,(!@ ^#,$%,&&*$= dxf–ljklQ hu]8f !% –���� –�����%= ltg{ af“sL bL3{sfnLg C0f tyf ;fk6L !^ –���� –�����

�������������s'n ;|f]t !%,^),@#,$@% !&,!&,^@,$)$pkof]u

^= l:y/ ;DklQ -v'b_ !& !@,#^,!&,*&$ (,%^,@),)!@&= bL3{sfnLg nufgL !* #,^@,%!,$@( ^,!),)!,$@(*= bL3{sfnLg shf{ @) –���� –�����

rfn' ;DklQ shf{ tyf k]ZsLx¿M –���� –�����(= gub tyf a}+s df}Hbft !( %,@*,^$,!^& @,&@,)!,(*^!)= cNksfnLg nufgL !* !@,!(,!%,*)# (,&!,!$,^*%!!= cNksfnLg shf{ @) –���� –�����!@= cGo ;DklQ @! ^,^#,(%,($@ !),%!,^^,#$&

������������hDdf -s_ -(±!)±!!±!@_ @$,!!,&%,(!@ @@,($,*#,)!*rfn' bfloTj tyf Joj:yfx¿M

!#= rfn' bfloTj @@ !@,@&,^%,&@% !&,$#,&^,*()!$= c;dfKt hf]lvd jfkt Joj:yf @# %,$^,^#,*$& $,@#,&&,#$*!%= e'QmfgL x'g af“sL bfjL jfkt Joj:yf ^ @,^(,@*,(*! (%,%$,*)(!^= cGo Joj:yf @#…sÚ $,$),(%,)** !,^(,#$,$)*

������������hDdf -v_ -!#±!$±!%±!^_ @$,*$,%#,^$! @$,#@,$#,$%%!&= v'b rfn' ;DklQ -u_ ≠ -s_ – -v_ -&@,&&,&@(_ -!,#&,^),$#&_!*= ckn]vg jf ;dfof]hg x'g af“sL ljljw vr{x¿ @$ #$,#!,*%! $%,#^,!!^!(= gfkmf–gf]S;fg lx;faaf6 ;f/]sf] gf]S;fg –���� @,$#,^%,@*$

������������s'n pkof]u -^±&±*±!&±!*±!(_ !%,^),@#,$@% !&,!&,^@,$)$

cg';"rL ^ tyf !@ b]lv @$ ;Dd o;sf cleGg c+u x'g\ .

lbk k|sfz kf08]k|d'v sfo{sf/L clws[t

sf7df8f}+@)^^÷!@÷#!

la=s]= cu|jfn, Pkm=l;=Pjl/i7 ;fem]bf/

lg= la=s]= cu|jfn P08 s+=rf6{8{ Psfp06]06;\

;+nUg k|ltj]bg cg';f/cf“ l5/L z]kf{;+rfns

aL/]Gb| axfb'/ a:g]t;+rfns

uf}/j cu|jfn;+rfns

k|bLk h+u kf08];+rfns

;]jf kf7s af]x/fn]vf k|d'v

lasf; h+uaxfb'/ /f0ffcWoIf

/fh]Gı k|;fb >]i7;+rfns

ls/0f z]v/ cdfTo;+rfns

cfO{=lk= sd{rfo{;+rfns

;+efljt bfloTjx¿

ljj/0f o; jif{ ut jif{

r'Qmf jf e'QmfgL x'g af“sL nufgL —������� —�������k|Tofe"lt k|ltj4tf —������� —�������aLdfn]v cGtu{t eGbf afx]saf6 aLds pk/ bfjL k/]sf] t/ aLdsn]bfloTj :jLsf/ gu/]sf] —������� —�������aLdsn] jf aLdssf] tkm{af6 lbOPsf] Uof/]06L —������� —�������cGo -ljj/0f v'nfpg]_ —������� —�������hDdf —������� —�������

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lzv/ OG:of]/]G; sDkgL lnld6]8cf=j= @)^%÷)^^ sf] gfkmf–gf]S;fg lx;fa

lbk k|sfz kf08]k|d'v sfo{sf/L clws[t

sf7df8f}+@)^^÷!@÷#!

la=s]= cu|jfn, Pkm=l;=Pjl/i7 ;fem]bf/

lg= la=s]= cu|jfn P08 s+=rf6{8{ Psfp06]06;\

;+nUg k|ltj]bg cg';f/cf“ l5/L z]kf{;+rfns

aL/]Gb| axfb'/ a:g]t;+rfns

uf}/j cu|jfn;+rfns

k|bLk h+u kf08];+rfns

;]jf kf7s af]x/fn]vf k|d'v

lasf; h+uaxfb'/ /f0ffcWoIf

/fh]Gı k|;fb >]i7;+rfns

ls/0f z]v/ cdfTo;+rfns

cfO{=lk= sd{rfo{;+rfns

qm=;+= ljj/0f cg';"rL o; jif{ ut jif{

cg';"rL @, % tyf & b]lv !$ ;Dd o;sf cleGg c+u x'g\ .

cfDbfgL!= cfo–Joo lx;faaf6 ;f/]sf] gfkmf÷-gf]S;fg_ & $,!#,##,$#@ @,$),%#,^**@= nufgL shf{ tyf cGoaf6 cfo @ %@,@&,^#$ ^^,^@,%&@#= Joj:yf lkmtf{ * –��� –���$= cGo cfDbfgL –��� –���

������������hDdf cfDbfgL -s_ $,^%,^!,)^^ #,)&,!^,@^)vr{

%= Joj:yfkg vr{ % $^,*!,^!& $@,&^,!*)^= ckn]vg vr{ ( !#,)&,$&# !!,%$,#**&= cGo vr{x¿ !) #,!$,^@) #,$),@!#*= gf]S;fgLsf] nflu Joj:yf !! –���� #*,#$,)!^(= sd{rf/L cfjf; Joj:yf –���� –���!)= sd{rf/L af]g; Joj:yf #^,%(,&^) !(,!(,@@$!!= cfos/sf] Joj:yf !,@*,%!,#@* &(,$&,^$@

– k/ ;fl/Psf] s/ (Deferred Tax) -!&,%%,)#&_ -!$,$^,(%(_������������hDdf vr{ -v_ @,!),%(,&^! !,*),@$,&)$v'b gfkmf ÷-gf]S;fg_ -u_ ≠ -s_ – -v_ @,%%,)!,#)% !,@^,(!,%%^

!@= aLdf sf]ifdf ;f/]sf] !@ !,!*,&#,!#$ ^#,$%,&&*;fwf/0f hu]8f sf]ifdf ;f/]sf] –���� –���

!#= cl3Nnf] jif{;+u ;DalGwt vr{ –���� –���!$= cl3Nnf] jif{af6 ;fl/Psf] gfkmf÷-gf]S;fg_ -@,$#,^%,@*$_ !,^%,@*@

af“8kmf“8sf] nflu pknAw /sd -!,)&,#&,!!#_ ^%,!!,)^)!%= -s_ k"“hLut hu]8f !$ –���� –���

-v_ dxf–ljklQ hu]8f –���� –���-u_ ljz]if hu]8f !$ –���� –���-3_ cGo hu]8f !$ –���� #,)*,&^,#$$ != c;'n x'g af“sL aLdfz'Ns afkt hu]8f -#,)*,&^,#$$_ –��� @= k/ ;fl/Psf] s/ afkt hu]8f (Deferred Tax Reserve) @$,&*,%!& –���-ª_ k|:tfljt nfef+z !,^*,&%,))) –���

!^= jf;nftdf ;f/]sf] gfkmf÷-gf]S;fg_ &,*%,&!$ -@,$#,^%,@*$_

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Page 57: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^

%%

lzv/ OG:of]/]G; sDkgL lnld6]8cf=j= @)^%÷)^^ sf] gub k|jfxsf] ljj/0f

qm=;+= ljj/0f o; jif{ ut jif{

lbk k|sfz kf08]k|d'v sfo{sf/L clws[t

sf7df8f}+@)^^÷!@÷#!

la=s]= cu|jfn, Pkm=l;=Pjl/i7 ;fem]bf/

lg= la=s]= cu|jfn P08 s+=rf6{8{ Psfp06]06;\

;+nUg k|ltj]bg cg';f/cf“ l5/L z]kf{;+rfns

aL/]Gb| axfb'/ a:g]t;+rfns

uf}/j cu|jfn;+rfns

k|bLk h+u kf08];+rfns

;]jf kf7s af]x/fn]vf k|d'v

lasf; h+uaxfb'/ /f0ffcWoIf

/fh]Gı k|;fb >]i7;+rfns

ls/0f z]v/ cdfTo;+rfns

cfO{=lk= sd{rfo{;+rfns

s= sf/f]af/ ;+rfngaf6 gub k|jfxaLdfz'Ns cfDbfgL $),$$,*!,$%( #$,)@,(*,($*k'gaL{df z'Ns cfDbfgL !!,&$,(^^ @,%),)*)k'gaL{df sldzg cfDbfgL ^,@),*@,*!^ $,^),##,*$#cGo k|ToIf cfDbfgL –��� –����k'gaL{dsaf6 k|fKt bfjL l/se/L @(,*$,*!,$%# !$,$&,)(,!(!k'gaL{df z'Ns e'QmfgL -#),)^,^&,*)&_ -@@,)(,%(,&@)_k'gaL{df sldzg e'QmfgL -@,^^,@@&_ -^%,$&(_clestf{ sldzg e'QmfgL -@,@^,*^,*(#_ -!,%@,)$,&**_bfjL e'QmfgL -##,)&,!@,%$^_ -!*,&),(#,%^%_;]jf z'Ns e'QmfgL -!),)$,($^_ -(,$%,%#@_Joj:yfkg vr{ e'QmfgL -$,#(,@%,)!!_ -#,*(,%*,^#&_sd{rf/L af]g; e'QmfgL –��� -!(,!(,@@$_cfos/ e'QmfgL -!,^(,&#,%)^_ -&(,$&,^$@_rfn' ;DklQdf -j[l4_÷sdL -^,@@,)@,@!%_ -^,!#,#),^@&_rfn' bfloTjdf j[l4÷-sdL_ -*,*@,#&,!@@_ %,*!,(@,&)@sf/f]af/ ;+rfngaf6 v'b gub k|jfx -s_ @,#(,$*,*%! %,%),%(,%%)

v= nufgL ultljlwaf6 gub k|jfxl:y/ ;DklQdf -j[l4_÷sdL -#,!!,^(,%&)_ -!,((,$*,^%*_;/sf/L / ;/sf/sf] hdfgt k|fKt ;]So'l/6Ldf nufgLdf -j[l4_÷sdL –��� -!,(&,*#,^(^_a}+s tyf ljQLo ;+:yfsf] d'2tL lgIf]kdf nufgLdf -j[l4_÷sdL -%!,!!*_ #*,$$,)!#a}+s tyf ljQLo ;+:yfsf] cGo lgIf]k nufgLdf -j[l4_÷sdL –��� –����OSo"6L z]o/ nufgLdf -j[l4_÷sdL –��� –����cu|flwsf/ z]o/ ÷ l8a]Gr/df nufgLdf -j[l4_÷sdL –��� -$^,*),)))_cGo nufgLdf -j[l4_÷sdL –��� –����k]ZsL tyf shf{df -j[l4_÷sdL -!),#$,^&*_ –����e'QmfgL k|fKt Jofh cfDbfgL -nufgLdf_ (!,(*,@*$ &#,)#,!&#e'QmfgL k|fKt l8le8]G8 –��� –����ef8f cfDbfgL –��� –����e'QmfgL k|fKt Aofh cfDbfgL -shf{df_ –��� –����cGo ck|ToIf cfDbfgL (),$$& $@,&*,%)*nufgL ultljlwaf6 v'b gub k|jfx -v_ -@,@(,^^,^#%_ -@,*(,*^,^^)_

u= ljQLo ;|f]t sf/f]af/af6 gub k|jfxz]o/af6 k|fKt /sd –��� –����ltg{ af“sL ;fk6Ldf -j[l4_÷sdL –��� –����cNksfnLg C0fdf -j[l4_÷sdL @,$^,&(,(^% -@,(*,#$,)!)_C0f ;fk6Ldf Aofh e'QmfgL –��� –���nfef+z e'QmfgL –��� –���z]o/ lgisfzg vr{ –��� –����ljQLo ;|f]t sf/f]af/af6 v'b gub k|jfx -u_ @,$^,&(,(^% -@,(*,#$,)!)_o; jif{sf] ;Dk"0f{ ultljlwaf6 v'b gub k|jfx ≠ -s_±-v_±-u_ @,%^,^@,!*! -#&,^!,!@)_gub tyf a}+sdf /x]sf] z'? df}Hbft @,&@,)!,(*^ #,)(,^#,!)^gub tyf a}+sdf /x]sf] clGtd df}Hbft %,@*,^$,!^& @,&@,)!,(*^

Page 58: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^

lzv/ OG:of]/]G; sDkgL lnld6]8@)^% >fj0f ! ut]b]lv @)^^ cfiff9 #! ut];Ddsf]

clUg aLdfsf] cfo–Joo lx;fa

qm=;+= ljj/0f cg';"rL o; jif{ ut jif{

cg';"rL ! b]lv ^ ;Dd o;sf cleGg c+u x'g\ .

cfo!= aLdfz'Ns -v'b_ ! &%,!&,@($ $*,(&,%&*@= k'gaL{df sldzg cfo !,(@,$#,$)% !,@$,&$,(*&#= nufgL, shf{ tyf cGoaf6 cfo @ (,#&,*)! *,@),$*($= cGo k|ToIf cfo –��� –���%= cfly{s jif{sf] z'?sf] e'QmfgL x'g af“sL bfjL jfkt Joj:yf !,(*,)#$ ^$,!&)^= cfly{s jif{sf] z'?sf] c;dfKt hf]lvd jfkt Joj:yf @$,$*,&*( !*,(&,#!$

������������hDdf cfo -s_ #,)#,$%,#@# @,)!,%$,%#*Joo

&= bfjL e'QmfgL -v'b_ # @,@#,*%@ &,)@,#$&*= clestf{ sldzg #$,(&,&&* @$,&#,(!$(= k'gaL{df sldzg vr{ %&,^@& #$,$*!!)= ;]jf z'Ns -v'b_ $ &%,!&# &%,(#@!!= cGo k|ToIf vr{ –�� –��!@= Joj:yfkg vr{ % ^$,&(,$&* ^@,&*,(@*!#= cfly{s jif{sf] cGTodf e'QmfgL x'g af“sL bfjL jfkt Joj:yf ^ %,%$,)!# !,(*,)#$!$= cfly{s jif{sf] cGTodf c;dfKt hf]lvd jfkt Joj:yf #&,%*,^$& @$,$*,&*(

������������hDdf Joo -v_ !,$^,$^,%^* !,@@,!@,$@%!%= gfkmf–gf]S;fg lx;fadf ;f/]sf] jrt÷-gf]S;fg_ ≠ -s_–-v_ !,%^,(*,&%% &(,$@,!!#

lbk k|sfz kf08]k|d'v sfo{sf/L clws[t

sf7df8f}+@)^^÷!@÷#!

la=s]= cu|jfn, Pkm=l;=Pjl/i7 ;fem]bf/

lg= la=s]= cu|jfn P08 s+=rf6{8{ Psfp06]06;\

;+nUg k|ltj]bg cg';f/cf“ l5/L z]kf{;+rfns

aL/]Gb| axfb'/ a:g]t;+rfns

uf}/j cu|jfn;+rfns

k|bLk h+u kf08];+rfns

;]jf kf7s af]x/fn]vf k|d'v

lasf; h+uaxfb'/ /f0ffcWoIf

/fh]Gı k|;fb >]i7;+rfns

ls/0f z]v/ cdfTo;+rfns

cfO{=lk= sd{rfo{;+rfns

Page 59: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^

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lzv/ OG:of]/]G; sDkgL lnld6]8@)^% >fj0f ! ut]b]lv @)^^ cfiff9 #! ut];Ddsf]

;fd'lb|s aLdfsf] cfo–Joo lx;fa

qm=;+= ljj/0f cg';"rL o; jif{ ut jif{

cg';"rL ! b]lv ^ ;Dd o;sf cleGg c+u x'g\ .

cfo!= aLdfz'Ns -v'b_ ! #%,@(,*!( $#,*#,#*!@= k'gaL{df sldzg cfo *),^*,%#% %(,#$,@@^#= nufgL, shf{ tyf cGoaf6 cfo @ %,$$,^$) $,^$,&*$$= cGo k|ToIf cfo –��� –���%= cfly{s jif{sf] z'?sf] e'QmfgL x'g af“sL bfjL jfkt Joj:yf !@,%*,^@) %,%@,#%*^= cfly{s jif{sf] z'?sf] c;dfKt hf]lvd jfkt Joj:yf $&,&(,)!% @%,*&,#@$

������������hDdf cfo -s_ !,*!,*),^@( !,#(,@@,)&#Joo

&= bfjL e'QmfgL -v'b_ # *,#^,$#$ !^,)^,@!%*= clestf{ sldzg !*,*),#$@ @&,!&,^^#(= k'gaL{df sldzg vr{ #%,@&# –���!)= ;]jf z'Ns -v'b_ $ #%,@(* $#,*#$!!= cGo k|ToIf vr{ –�� –��!@= Joj:yfkg vr{ % @#,%(,(*% @),^&,%^(!#= cfly{s jif{sf] cGTodf e'QmfgL x'g af“sL bfjL jfkt Joj:yf ^ !&,!!,(@& !@,%*,^@)!$= cfly{s jif{sf] cGTodf c;dfKt hf]lvd jfkt Joj:yf ^!,*!,$%( $&,&(,)!%

������������hDdf Joo -v_ !,#),$),&!* !,@$,&@,(!^!%= gfkmf–gf]S;fg lx;fadf ;f/]sf] jrt÷-gf]S;fg_ ≠ -s_–-v_ %!,#(,(!! !$,$(,!%&

lbk k|sfz kf08]k|d'v sfo{sf/L clws[t

sf7df8f}+@)^^÷!@÷#!

la=s]= cu|jfn, Pkm=l;=Pjl/i7 ;fem]bf/

lg= la=s]= cu|jfn P08 s+=rf6{8{ Psfp06]06;\

;+nUg k|ltj]bg cg';f/cf“ l5/L z]kf{;+rfns

aL/]Gb| axfb'/ a:g]t;+rfns

uf}/j cu|jfn;+rfns

k|bLk h+u kf08];+rfns

;]jf kf7s af]x/fn]vf k|d'v

lasf; h+uaxfb'/ /f0ffcWoIf

/fh]Gı k|;fb >]i7;+rfns

ls/0f z]v/ cdfTo;+rfns

cfO{=lk= sd{rfo{;+rfns

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lzv/ OG:of]/]G; sDkgL lnld6]8@)^% >fj0f ! ut]b]lv @)^^ cfiff9 #! ut];Ddsf]

df]6/ aLdfsf] cfo–Joo lx;fa

qm=;+= ljj/0f cg';"rL o; jif{ ut jif{

cg';"rL ! b]lv ^ ;Dd o;sf cleGg c+u x'g\ .

cfo!= aLdfz'Ns -v'b_ ! &,$&,#$,%(! %,$@,(!,$!#@= k'gaL{df sldzg cfo $),($,!^) @#,%(,@&@#= nufgL, shf{ tyf cGoaf6 cfo @ @&,%%,!&^ @@,*$,#)@$= cGo k|ToIf cfo –��� –���%= cfly{s jif{sf] z'?sf] e'QmfgL x'g af“sL bfjL jfkt Joj:yf &@,*@,^&! &^,)^,)*^^= cfly{s jif{sf] z'?sf] c;dfKt hf]lvd jfkt Joj:yf @,&!,$%,&)& @,@#,$(,#&!

������������hDdf cfo -s_ !!,^),!@,#)% *,**,(),$$$Joo

&= bfjL e'QmfgL -v'b_ # @,%!,(!,)$@ #,#$,^$,^@#*= clestf{ sldzg !,@&,$(,$)$ *@,$#,%&((= k'gaL{df sldzg vr{ @#,!@) (,$$(!)= ;]jf z'Ns -v'b_ $ &,$&,#$^ %,$@,(!%!!= cGo k|ToIf vr{ –�� –��!@= Joj:yfkg vr{ % !,)(,%^,&@) (@,@%,@#&!#= cfly{s jif{sf] cGTodf e'QmfgL x'g af“sL bfjL jfkt Joj:yf ^ @,@@,&),)^( &@,*@,^&!!$= cfly{s jif{sf] cGTodf c;dfKt hf]lvd jfkt Joj:yf #,&#,^&,@(^ @,&!,$%,&)&

������������hDdf Joo -v_ !),(#,)$,((& *,%(,!$,!*!!%= gfkmf–gf]S;fg lx;fadf ;f/]sf] jrt÷-gf]S;fg_ ≠ -s_–-v_ ^&,)&,#)* @(,&^,@^#

lbk k|sfz kf08]k|d'v sfo{sf/L clws[t

sf7df8f}+@)^^÷!@÷#!

la=s]= cu|jfn, Pkm=l;=Pjl/i7 ;fem]bf/

lg= la=s]= cu|jfn P08 s+=rf6{8{ Psfp06]06;\

;+nUg k|ltj]bg cg';f/cf“ l5/L z]kf{;+rfns

aL/]Gb| axfb'/ a:g]t;+rfns

uf}/j cu|jfn;+rfns

k|bLk h+u kf08];+rfns

;]jf kf7s af]x/fn]vf k|d'v

lasf; h+uaxfb'/ /f0ffcWoIf

/fh]Gı k|;fb >]i7;+rfns

ls/0f z]v/ cdfTo;+rfns

cfO{=lk= sd{rfo{;+rfns

Page 61: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^

%(

lzv/ OG:of]/]G; sDkgL lnld6]8@)^% >fj0f ! ut]b]lv @)^^ cfiff9 #! ut];Ddsf]

OlGhgLol/· aLdfsf] cfo–Joo lx;fa

qm=;+= ljj/0f cg';"rL o; jif{ ut jif{

cg';"rL ! b]lv ^ ;Dd o;sf cleGg c+u x'g\ .

cfo!= aLdfz'Ns -v'b_ ! !$,(),*$# %,!@,(@*@= k'gaL{df sldzg cfo ##,##,^*@ @),(@,$)&#= nufgL, shf{ tyf cGoaf6 cfo @ !,^),)$) !,!^,%*&$= cGo k|ToIf cfo –��� –��%= cfly{s jif{sf] z'?sf] e'QmfgL x'g af“sL bfjL jfkt Joj:yf @,##,*^* @,!$,&$)^= cfly{s jif{sf] z'?sf] c;dfKt hf]lvd jfkt Joj:yf @,%^,$^$ #,$^,@)&

������������hDdf cfo -s_ %$,&$,*(& #@,*@,*^(Joo

&= bfjL e'QmfgL -v'b_ # !,@@,*(* #,^%,($@*= clestf{ sldzg ^,(*,#!$ %,)#,*&#(= k'gaL{df sldzg vr{ !,@),)&% %,$#*!)= ;]jf z'Ns -v'b_ $ !$,()* !*,!!%!!= cGo k|ToIf vr{ –�� –��!@= Joj:yfkg vr{ % !#,)),!@% (,@$,&!!!#= cfly{s jif{sf] cGTodf e'QmfgL x'g af“sL bfjL jfkt Joj:yf ^ $,^$,%#! @,##,*^*!$= cfly{s jif{sf] cGTodf c;dfKt hf]lvd jfkt Joj:yf &,$%,$@@ @,%^,$^$

������������hDdf Joo -v_ #$,^^,@&# @#,)*,$!!!%= gfkmf–gf]S;fg lx;fadf ;f/]sf] jrt÷-gf]S;fg_ ≠ -s_–-v_ @),)*,^@$ (,&$,$%*

lbk k|sfz kf08]k|d'v sfo{sf/L clws[t

sf7df8f}+@)^^÷!@÷#!

la=s]= cu|jfn, Pkm=l;=Pjl/i7 ;fem]bf/

lg= la=s]= cu|jfn P08 s+=rf6{8{ Psfp06]06;\

;+nUg k|ltj]bg cg';f/cf“ l5/L z]kf{;+rfns

aL/]Gb| axfb'/ a:g]t;+rfns

uf}/j cu|jfn;+rfns

k|bLk h+u kf08];+rfns

;]jf kf7s af]x/fn]vf k|d'v

lasf; h+uaxfb'/ /f0ffcWoIf

/fh]Gı k|;fb >]i7;+rfns

ls/0f z]v/ cdfTo;+rfns

cfO{=lk= sd{rfo{;+rfns

Page 62: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^

lzv/ OG:of]/]G; sDkgL lnld6]8@)^% >fj0f ! ut]b]lv @)^^ cfiff9 #! ut];Ddsf]

xjfO{ aLdfsf] cfo–Joo lx;fa

qm=;+= ljj/0f cg';"rL o; jif{ ut jif{

cg';"rL ! b]lv ^ ;Dd o;sf cleGg c+u x'g\ .

cfo!= aLdfz'Ns -v'b_ ! ^,$%,^^( @,*),*#%@= k'gaL{df sldzg cfo !,@@,&%,(@% !,!@,&#,%&&#= nufgL, shf{ tyf cGoaf6 cfo @ $,%*,&&& %,&),()#$= cGo k|ToIf cfo –��� –���%= cfly{s jif{sf] z'?sf] e'QmfgL x'g af“sL bfjL jfkt Joj:yf !(,#^# &$,!@#^= cfly{s jif{sf] z'?sf] c;dfKt hf]lvd jfkt Joj:yf !,$),$!* #,)%,$^&

������������hDdf cfo -s_ !,#%,$),!%@ !,@%,)$,()%Joo

&= bfjL e'QmfgL -v'b_ # %,$#,()# &,!%,@&!*= clestf{ sldzg –�� –��(= k'gaL{df sldzg vr{ –�� –��!)= ;]jf z'Ns -v'b_ $ ^,$%& ($,#(*!!= cGo k|ToIf vr{ –�� –��!@= Joj:yfkg vr{ % !,%@,#&,^(* !,#*,)!,##)!#= cfly{s jif{sf] cGTodf e'QmfgL x'g af“sL bfjL jfkt Joj:yf ^ !),^(# !(,#^#!$= cfly{s jif{sf] cGTodf c;dfKt hf]lvd jfkt Joj:yf #,@@,*#% !,$),$!*

������������hDdf Joo -v_ !,^!,@!,%*^ !,$&,&),&*)!%= gfkmf–gf]S;fg lx;fadf ;f/]sf] jrt÷-gf]S;fg_ ≠ -s_–-v_ -@%,*!,$#$_ -@@,^%,*&%_

lbk k|sfz kf08]k|d'v sfo{sf/L clws[t

sf7df8f}+@)^^÷!@÷#!

la=s]= cu|jfn, Pkm=l;=Pjl/i7 ;fem]bf/

lg= la=s]= cu|jfn P08 s+=rf6{8{ Psfp06]06;\

;+nUg k|ltj]bg cg';f/cf“ l5/L z]kf{;+rfns

aL/]Gb| axfb'/ a:g]t;+rfns

uf}/j cu|jfn;+rfns

k|bLk h+u kf08];+rfns

;]jf kf7s af]x/fn]vf k|d'v

lasf; h+uaxfb'/ /f0ffcWoIf

/fh]Gı k|;fb >]i7;+rfns

ls/0f z]v/ cdfTo;+rfns

cfO{=lk= sd{rfo{;+rfns

Page 63: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^

lzv/ OG:of]/]G; sDkgL lnld6]8@)^% >fj0f ! ut]b]lv @)^^ cfiff9 #! ut];Ddsf]

ljljw aLdfsf] cfo–Joo lx;fa

qm=;+= ljj/0f cg';"rL o; jif{ ut jif{

cg';"rL ! b]lv ^ ;Dd o;sf cleGg c+u x'g\ .

cfo!= aLdfz'Ns -v'b_ ! !,@%,&^,#&% !,%@,!#,(!!@= k'gaL{df sldzg cfo !,%),^&,!)( !,!*,((,#&%#= nufgL, shf{ tyf cGoaf6 cfo @ !),)%,*)^ !#,#!,()%$= cGo k|ToIf cfo –��� –�����%= cfly{s jif{sf] z'?sf] e'QmfgL x'g af“sL bfjL jfkt Joj:yf %,^@,@%$ !#,&*,^%@^= cfly{s jif{sf] z'?sf] c;dfKt hf]lvd jfkt Joj:yf &^,)^,(%% ^#,%@,^#*

������������hDdf cfo -s_ #,^*,!*,$(( #,^!,&^,$*!Joo

&= bfjL e'QmfgL -v'b_ # %#,!@,(^$ %%,@(,(&(*= clestf{ sldzg @(,*@,*(! #!,@%,$!*(= k'gaL{df sldzg vr{ #),!#@ !^,!!!!)= ;]jf z'Ns -v'b_ $ !,@%,&^$ !,&),##*!!= cGo k|ToIf vr{ –�� –��!@= Joj:yfkg vr{ % %*,)),%$$ ^!,*&,*%$!#= cfly{s jif{sf] cGTodf e'QmfgL x'g af“sL bfjL jfkt Joj:yf ^ !(,!&,&$* %,^@,@%$!$= cfly{s jif{sf] cGTodf c;dfKt hf]lvd jfkt Joj:yf ^@,**,!** &^,)^,(%%

������������hDdf Joo -v_ @,@$,%*,@#! @,#!,(*,()(!%= gfkmf–gf]S;fg lx;fadf ;f/]sf] jrt÷-gf]S;fg_ ≠ -s_–-v_ !,$#,^),@^* !,@(,&&,%&@

lbk k|sfz kf08]k|d'v sfo{sf/L clws[t

sf7df8f}+@)^^÷!@÷#!

la=s]= cu|jfn, Pkm=l;=Pjl/i7 ;fem]bf/

lg= la=s]= cu|jfn P08 s+=rf6{8{ Psfp06]06;\

;+nUg k|ltj]bg cg';f/cf“ l5/L z]kf{;+rfns

aL/]Gb| axfb'/ a:g]t;+rfns

uf}/j cu|jfn;+rfns

k|bLk h+u kf08];+rfns

;]jf kf7s af]x/fn]vf k|d'v

lasf; h+uaxfb'/ /f0ffcWoIf

/fh]Gı k|;fb >]i7;+rfns

ls/0f z]v/ cdfTo;+rfns

cfO{=lk= sd{rfo{;+rfns

Page 64: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^

-s_ aLdfz'Ns -v'b_ cg';"rL– !

qm=;+= aLdfsf] lsl;ds'n aLdfz'Ns k'gaL{df z'Ns e'QmfgL (Ceded) aLdfz'Ns -v'b_

o; jif{ ut jif{ o; jif{ ut jif{ o; jif{ ut jif{

!= clUg aLdf ^,%@,*%,()^ %,%(,!@,*!* %,&&,^*,^!@ %,!),!%,@$) &%,!&,@($ $*,(&,%&*

@= ;fd'lb|s aLdf @,$$,^#,#*^ @,)@,**,*!$ @,)(,##,%^& !,%(,)%,$## #%,@(,*!( $#,*#,#*!

#= df]6/ aLdf !!,&!,%$,!)# *,^&,#*,#^! $,@$,!(,%!@ #,@$,$^,($* &,$&,#$,%(! %,$@,(!,$!#

$= OlGhgLol/¨ aLdf !,#%,*$,!!% *#,^@,$** !,@),(#,@&@ &*,$(,%^) !$,(),*$# %,!@,(@*

% xjfO{ aLdf !$,$(,)),*)^ !!,&@,(),)@( !$,$@,%%,!#& !!,&),)(,!($ ^,$%,^^( @,*),*#%

^= ljljw aLdf %,*@,^*,!)( %,%&,(),%#$ $,%^,(!,&#$ $,)%,&^,^@# !,@%,&^,#&% !,%@,!#,(!!

hDdf $@,#^,%^,$@% #$,$#,*#,)$$ #@,#!,^!,*#$ @^,$*,)@,((* !),)$,($,%(! &,(%,*),)$^

-v_ s'n aLdfz'Ns

qm=;+= aLdfsf] lsl;dk|ToIf aLdfz'Ns k|fKt k'gaL{df z'Ns (Accepted) s'n aLdfz'Ns -v'b_

o; jif{ ut jif{ o; jif{ ut jif{ o; jif{ ut jif{

!= clUg aLdf ^,%!,!#,$*! %,%*,#%,!@$ !,&@,$@% &&,^($ ^,%@,*%,()^ %,%(,!@,*!*

@= ;fd'lb|s aLdf @,$#,@@,@(^ @,)@,**,*!$ !,$!,)() –��� @,$$,^#,#*^ @,)@,**,*!$

#= df]6/ aLdf !!,^(,$),*@( *,^^,$#,*&$ @,!#,@&$ ($,$*& !!,&!,%$,!)# *,^&,#*,#^!

$= OlGhgLol/¨ aLdf !,#),^!,^&^ *#,^@,$** %,@@,$#( –��� !,#%,*$,!!% *#,^@,$**

% xjfO{ aLdf !$,$(,)),*)^ !!,&@,(),)@( –��� –�� !$,$(,)),*)^ !!,&@,(),)@(

^= ljljw aLdf %,*!,$@,#&! %,%&,!@,^#% !,@%,&#* &&,*(( %,*@,^*,!)( %,%&,(),%#$

hDdf $@,@$,*!,$%( #$,$!,#@,(^$ !!,&$,(^^ @,%),)*) $@,#^,%^,$@% #$,$#,*#,)$$

Page 65: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^

nufgL, shf{ tyf cGoaf6 cfosf] af“8kmf“8

qm=;+= ljj/0f o; jif{ ut jif{

!= gfkmf–gf]S;fg lx;fadf ;f/]sf] %@,@&,^#$ ^^,^@,%&@@= clUg aLdfsf] cfo–Joo lx;fadf ;f/]sf] (,#&,*)! *,@),$*(#= ;fd'lb|s aLdfsf] cfo–Joo lx;fadf ;f/]sf] %,$$,^$) $,^$,&*$$= df]6/ aLdfsf] cfo–Joo lx;fadf ;f/]sf] @&,%%,!&^ @@,*$,#)@%= OlGhgLol/¨ aLdfsf] cfo–Joo lx;fadf ;f/]sf] !,^),)$) !,!^,%*&^= xjfO{ aLdfsf] cfo–Joo lx;fadf ;f/]sf] $,%*,&&& %,&),()#&= ljljw aLdfsf] cfo–Joo lx;fadf ;f/]sf] !),)%,*)^ !#,#!,()%

hDdf !,!),*(,*&$ !,@@,%!,%$@

nufgL, shf{ tyf cGoaf6 cfo cg';"rL– @

qm=;+= ljj/0f o; jif{ ut jif{

!= ;/sf/L / ;/sf/sf] hdfgt k|fKt ;]So'l/l6af6 cfo !$,(%,))) (,*&,$()@= jfl0fHo a}+ssf] d'2tL lgIf]kaf6 cfo ^),%%,(^@ $@,*!,*)@#= ljsf; a}+ssf] d'2tL lgIf]kaf6 cfo &,@(,^*^ !!,$$,@$&$= gful/s nufgL of]hgfaf6 cfo –���� –����%= ljQLo ;+:yfsf] d'2tL lgIf]kaf6 cfo !),#^,^)^ (,%^,@%&^= klAns sDkgLsf] ;fwf/0f z]o/af6 nfef+z –���� –����&= cu|flwsf/ z]o/af6 nfef+z –���� –����*= a}+s tyf ljQLo ;+:yfsf] l8a]Gr/af6 cfo ^,&$,$)) #,$%,(^@(= cGo -ljj/0f v'nfpg]_ af6 cfo –���� –����!)= shf{af6 cfo –���� –����!!= cGo lgIf]kaf6 -d'2tL afx]s_ cfo &,&),%)# @,%&,@&%!@= nufgL laqmLdf gfkmf

Go"gM nufgL laqmLdf gf]S;fg –���� –����!#= nufgL -vl/b_ df gfkmf

Go"gM l:y/ ;DklQ laqmLaf6 gf]S;fg –���� –����!$= l:y/ ;DklQ laqmLaf6 gfkmf

Go"gM l:y/ ;DklQ laqmLaf6 gf]S;fg –���� –����!%= vftf ckn]vg –���� –����!^= cl3Nnf jif{;+u ;DalGwt cfo –���� !&,$@,!$(!&= cGo cfo #,@&,&!& @%,#^,#^)

��� hDdf !,!),*(,*&$ !,@@,%!,%$@

Page 66: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^

qm=;

+=aLdf

sf] ls

l;d

bfjL

e'Qmfg

Lcg';

"rL–

#

rfn'

cf=j

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k/]sf] bfjL

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f ;f] c

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fjL e

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Page 67: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^

Joj:yfkg vr{ cg';"rL– %

qm=;+= ljj/0f o; jif{ ut jif{

!= sd{rf/L vr{ -cg';"rL %=! adf]lhd_ @,!(,)$,&() @,!@,%),@&#@= 3/ ef8f $!,$&,*** #^,^*,^!&#= lah'nL tyf kfgL &,(#,#!$ &,^&,$#$$= dd{t tyf ;Def/

-s_ ejg !#,)*& %,*^!-v_ ;jf/L ;fwg $,&!,(#( $,%(,@@*-u_ sfof{no pks/0f @,*$,@^* !,*&,%&%-3_ kmlg{r/ !$,!@^ @(,!#%-ª_ ljB'lto h8fg !,)*,#%# (#,!&^-r_ sDKo'6/ @,^^,@&) @,$@,***

%= ;+rf/ !$,^!,*!& *,&^,&#^^= 5kfO{ tyf d;nGb !),(&,#!& !),&!,!^@&= vr{ x'g] sfof{no ;fdfg !,(@,)%$ !,!(,%!**= kl/jxg @!,*!,$%@ !&,)#,!#$(= e|d0f vr{ -eQf ;d]t_

-s_ cfGtl/s !,%#,(!$ &%,^#!-v_ a}b]lzs #,($,$%# @,%%,%^$

!)= clestf{ tflnd –�� –��!!= clestf{ cGo –�� –��!@= aLdfz'Ns %,&#,!%# ^,)^,%%%!#= ;'/Iff vr{ @,@),))) !,(#,%))!$= sfg"gL tyf k/fdz{ z'Ns %,$),))) !,(&,@(%!%= kq–klqsf tyf k':ts %),(^$ #$,$@@!^= lj1fkg tyf k|rf/–k|;f/ &,#),%*& !$,*$,&%$!&= Jofkf/ k|j4{g !^,!^,(%( @),%(,##&!*= cltly ;Tsf/ ^,*@,%$% %,!!,^&&!(= rGbf tyf pkxf/ !,##,!!! !,%(,%%)@)= ;+rfns ;ldlt ;DaGwL vr{

-s_ a}7s eQf @,((,))) @,$^,)))-v_ cGo @@,@^$ $%,#^!

@!= cGo ;ldlt÷pk–;ldlt ;DaGwL vr{ –�� –��-s_ a}7s eQf $@,%)) –��-v_ cGo –�� –��

@@= ;fwf/0f ;ef ;DaGwL vr{ #*,#%% @,*(,^@$@#= n]vfk/LIf0f ;DaGwL vr{

-s_ n]vfk/LIf0f z'Ns ^),))) %),)))-v_ s/ n]vfk/LIf0f z'Ns %),))) %),)))-u_ lj:t[t n]vfk/LIf0f k|ltj]bg z'Ns #),))) #),)))-3_ cGo z'Ns –�� –��-ª_ cfGtl/s n]vfk/LIf0f vr{ @,!%,))) !,&%,)))-r_ cGo vr{ $&,^)% %@,))*

@$= Aofh (@,^(% ^,*(,%@)@%= a}+s rfh{ !,)$,@%* ^@,)**@^= z'Ns tyf b:t'/ @,&^,$)& #,!*,^^(@&= ¥xf; s§L #$,)*,(*$ $!,$#,#*^@*= x'nfs l6s6 !,!&,$)& !,@),(*!@(= cGo

-s_ ;b:otf z'Ns &*,%)! @,&&,&%)-v_ oftfoft vr{ $&,^$* $!,@%&-u_ k"hf vr{ !,$),!)$ &&,^))-3_ Joj:yfkg ;]jf z'Ns #%,&@,!*! –��-ª_ ljljw !,$),*(& #(,%$#-r_ zfvf vr{ –�� –��af“8kmf“8sf nflu hDdf $,^*,!^,!^& $,@&,^!,*)(

Page 68: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^

af“8kmf“8sf] nflu hDdf

qm=;+= ljj/0f o; jif{ ut jif{

sd{rf/L vr{

qm=;+= ljj/0f o; jif{ ut jif{

cg';"rL– %=!

!= gfkmf–gf]S;fg lx;fadf ;f/]sf] $^,*!,^!& $@,&^,!*)@= clUg aLdfsf] cfo–Joo lx;fadf ;f/]sf] ^$,&(,$&* ^@,&*,(@*#= ;fd'lb|s aLdfsf] cfo–Joo lx;fadf ;f/]sf] @#,%(,(*% @),^&,%^($= df]6/ aLdfsf] cfo–Joo lx;fadf ;f/]sf] !,)(,%^,&@) (@,@%,@#&%= OlGhgLol/¨ aLdfsf] cfo–Joo lx;fadf ;f/]sf] !#,)),!@% (,@$,&!!^= xjfO{ aLdfsf] cfo–Joo lx;fadf ;f/]sf] !,%@,#&,^(* !,#*,)!,##)&= ljljw aLdfsf] cfo–Joo lx;fadf ;f/]sf] %*,)),%$$ ^!,*&,*%$

hDdf $,^*,!^,!^& $,@&,^!,*)(

!= tna tyf Hofnf !,!$,!(,@%& !,!*,^$,&!#@= eQf #(,$!,#)^ $@,#*,@^##= bz}+ vr{ !),*@,#(! !),%(,())$= ;~rosf]ifdf yk !!,#@,##! !#,(!,@^*%= tflnd vr{ !),(*,@@* !@,(!,^%&^= kf]zfs @,&$,@^* @,*!,!$@&= cf}ifwf]krf/ –��� –���*= aLdf –��� –���(= k]G;g tyf pkbfg vr{ tyf Joj:yf !@,)(,@)& #,(#,%&@!)= ljbf afktsf] vr{ tyf Joj:yf !#,$#,@@! $,$^,&#%!!= cGo ;'ljwf jfkt vr{ tyf Joj:yf -ljj/0f v'nfpg]_ –��� –���!@= cGo -ljj/0f v'nfpg]_ –��� –���

sd{rf/L sNof0fsf/L vr{ $,)$,%*! @,*#,)@#

��hDdf @,!(,)$,&() @,!@,%),@&#

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qm=;

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Page 70: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^

cfo–Joo lx;fax¿af6 gfkmf–gf]S;fg lx;fadf ;f/]sf] /sd

qm=;+= ljj/0f o; jif{ ut jif{

cg';"rL– &

!= clUg aLdfsf] cfo–Joo lx;faaf6 ;f/]sf] !,%^,(*,&%% &(,$@,!!#

@= ;fd'lb|s aLdfsf] cfo–Joo lx;faaf6 ;f/]sf] %!,#(,(!! !$,$(,!%&

#= df]6/ aLdfsf] cfo–Joo lx;faaf6 ;f/]sf] ^&,)&,#)* @(,&^,@^#

$= OlGhgLol/¨ aLdfsf] cfo–Joo lx;faaf6 ;f/]sf] @),)*,^@$ (,&$,$%*

%= xjfO{ aLdfsf] cfo–Joo lx;faaf6 ;f/]sf] -@%,*!,$#$_ -@@,^%,*&%_

^= ljljw aLdfsf] cfo–Joo lx;faaf6 ;f/]sf] !,$#,^),@^* !,@(,&&,%&@

hDdf $,!#,##,$#@ @,$),%#,^**

Joj:yf lkmtf{

qm=;+= ljj/0f o; jif{ ut jif{

cg';"rL– *

!= nufgLdf gf]S;fgLsf] nflu Joj:yf lkmtf{ – –@= shf{df gf]S;fgLsf] nflu Joj:yf lkmtf{ – –#= z+sf:kb cf;fdL Joj:yf lkmtf{ – –$= cGo Joj:yf lkmtf{ – –

hDdf – –

ckn]vg vr{x¿

qm=;+= ljj/0f o; jif{ ut jif{

cg';"rL– (

!= k|f/lDes vr{x¿ –���� –����

@= k"j{ ;+rfng vr{x¿ –���� –����

#= k/ ;fl/Psf vr{x¿ (,$%,)*% (,$%,)*%

$= ckn]vg ul/Psf] nufgL –���� –����

%= ckn]vg ul/Psf] shf{ –���� –����

^= ckn]vg ul/Psf] cf;fdL @,)#,@)* –����

&= cGo ckn]vgM

art C0fkqsf] nufgLsf] lk|ldoddf ul/Psf] e'QmfgL !,%(,!*) @,)(,#)#

��hDdf !#,)&,$&# !!,%$,#**

Page 71: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^

cGo vr{x¿

qm=;+= ljj/0f o; jif{ ut jif{

cg';"rL– !)

!= b08 hl/jfgf #,!$,^@) #,$),@!#

@= ljnDa z'Ns hl/jfgf – –

#= cGo -ljj/0f v'nfpg]_ – –

hDdf #,!$,^@) #,$),@!#

gf]S;fgLsf] nflu Joj:yf

qm=;+= ljj/0f o; jif{ ut jif{

cg';"rL– !!

!= nufgLdf gf]S;fgLsf] nflu Joj:yf – –

@= shf{df gf]S;fgLsf] nflu Joj:yf – –

#= z+sf:kb cf;fdL Joj:yf – #*,#$,)!^

$= cGo Joj:yf – –

hDdf – #*,#$,)!^

aLdfsf]if cg';"rL– !@

qm=;+= aLdfsf] lsl;djif{sf] z'¿df aLdfsf]if gfkmf–gf]S;fg lx;faaf6 ;f/]sf] jif{sf] cGTodf aLdfsf]if

o; jif{ ut jif{ o; jif{ ut jif{ o; jif{ ut jif{

!= clUg aLdf !(,!$,**# – $@,$$,$@& !(,!$,**# ^!,%(,#!) !(,!$,**#

@= ;fd'lb|s aLdf #,$(,#(( – !#,*(,^^# #,$(,#(( !&,#(,)^@ #,$(,#((

#= df]6/ aLdf &,!&,%(# – !*,!#,$#% &,!&,%(# @%,#!,)@* &,!&,%(#

$= OlGhgLol/¨ aLdf @,#$,($& – %,$#,)^% @,#$,($& &,&*,)!@ @,#$,($&

% xjfO{ aLdf –�� – –�� – –�� –

^= ljljw aLdf #!,@*,(%^ – #*,*@,%$$ #!,@*,(%^ &),!!,%)) #!,@*,(%^

hDdf ^#,$%,&&* – !,!*,&#,!#$ ^#,$%,&&* !,*@,!*,(!@ ^#,$%,&&*

Page 72: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^

&)

-v_ z]o/sf] :jfldTjsf] ;+/rgf

o; jif{ ut jif{

;fwf/0fz]o/ ;+Vof

:jfldTjsf] ∞;fwf/0f

z]o/ ;+Vof:jfldTjsf] ∞

z]o/wgL

;+:y

fks

g]kfnL ;+ul7t ;+:yfx¿ !,^%,))) !#=@) !,^%,))) !#=@)

g]kfnL gful/s *,#%,))) ^^=*) *,#%,))) ^^=*)

ljb]zL

hDdf !),)),))) *)=)) !),)),))) *)=))

;j{;fwf/0f @,%),))) @)=)) @,%),))) @)=))

cGo -ljj/0f v'nfpg]_

s'n !@,%),))) !))=)) !@,%),))) !))=))

-s_ z]o/sf] k"“hL

qm=;+= ljj/0f o; jif{ ut jif{

cg';"rL– !#

!= clws[t k"“hL

-s_ ¿= !)) b/sf] @),)),))) yfg ;fwf/0f z]o/ @),)),)),))) @),)),)),)))

@= hf/L k"“hL

-s_ ¿= !)) b/sf] !@,%),))) yfg ;fwf/0f z]o/ !@,%),)),))) !@,%),)),)))

#= r'Qmf k"“hL

-s_ ¿= !)) b/sf] !@,%),))) yfg ;fwf/0f z]o/ !@,%),)),))) !@,%),)),)))

��hDdf !@,%),)),))) !@,%),)),)))

Page 73: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^

&!

-u_ Ps k|ltzt jf a9L z]o/ :jfldTj ePsf z]o/wgLx¿sf] ljj/0f

o; jif{ ut jif{

;fwf/0fz]o/ ;+Vof

:jfldTjsf] ∞;fwf/0f

z]o/ ;+Vof:jfldTjsf] ∞

z]o/wgLqm=;+=

!= /d]z s'df/ lg/f}nf !=)^ !#,@&,))) !=)^ !#,@&,)))

@= /Ltf kf08] !=#! !^,#*,))) !=#! !^,#*,)))

#= ljsf; h+u axfb'/ /f0ff (=@) !,!%,)),))) (=@) !,!%,)),)))

$= a'4 Po/ k|f= ln= (=@) !,!%,)),))) (=@) !,!%,)),)))

%= uf}/a cu|jfn (=@) !,!%,)),))) (=@) !,!%,)),)))

^= s}nfz k|;fb l;/f]lxof $=^$ %*,)),))) $=^$ %*,)),)))

&= ljgf]b /fh 1jfnL $=^$ %*,)),))) $=^$ %*,)),)))

*= cf“ l5/L z]kf{ (=@) !,!%,)),))) (=@) !,!%,)),)))

(= cf¨ b]GbL z]kf{ !=@) !%,)),))) !=@) !%,)),)))

!)= kljq s'df/ sfsL{ !=(@ @$,)),))) !=(@ @$,)),)))

!!= z]v/ a:Goft !=@) !%,)),))) !=@) !%,)),)))

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!#= ;+lrtf :jf/ kf08] $=)) %),)),))) $=)) %),)),)))

!$= ls/0f k|sfz kf08] @=)) @%,)),))) @=)) @%,)),)))

!%= cld/ k|tfa h=a= /f0ff $=*) ^),)),))) $=*) ^),)),)))

!^= /fh]Gb| k|;fb >]i7 $=)) %),)),))) $=)) %),)),)))

!&= nf]d; OGe]i6d]G6 k|f= ln= $=)) %),)),))) $=)) %),)),)))

!*= kjg s'df/ cu|jfn @=)) @%,)),))) @=)) @%,)),)))

hDdf (,#$,^%,))) (,#$,^%,)))

hu]8f tyf sf]if

qm=;+= ljj/0f o; jif{ ut jif{

cg';"rL– !$

!= ;fwf/0f hu]8f (%,$),@*@ (%,$),@*@

@= k"“hLut hu]8f –���� –����

#= ljz]if hu]8f –���� –����

$= cGo hu]8f –���� –����

– c;'n x'g af“sL aLdfz'Ns afkt –���� #,)*,&^,#$$

– k/ ;fl/Psf] s/ jfkt hu]8f (Deferred Tax Reserve) @$,&*,%!& –����

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Page 74: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^

&@

dxf–ljklQ hu]8f

o; jif{ ut jif{

cg';"rL– !%

jif{sf] z'?df dxf–ljklQ hu]8f gfkmf–gf]S;fg lx;faaf6 ;f/]sf] jif{sf] cGTodf dxf–ljklQ

o; jif{ ut jif{o; jif{ ut jif{

ltg{ af“sL bL3{sfnLg C0f tyf ;fk6L

qm=;+= ljj/0f o; jif{ ut jif{

cg';"rL– !^

!= l8a]Gr/ ÷ a08 – –

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#= ljQLo ;+:yf – –

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(*,!$,

&$)

Page 76: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^

&$

nufgL

qm=;+= ljj/0f o; jif{ ut jif{

cg';"rL– !*

-s_ bL3{sflng nufgL

!= ;/sf/L / ;/sf/sf] hdfgt k|fKt ;]So'l/6L @,#),)),))) @,#),)),)))

@= jfl0fHo a}+ssf] d'2tL lgIf]k –��� !,!),)),)))

#= ljsf; a}+ssf] d'2tL lgIf]k –��� &%,)),)))

$= gful/s nufgL of]hgf –��� –���

%= ljQLo ;+:yfsf] d'2tL lgIf]k –��� ^@,%),)))

^= klAns sDkgLsf] ;fwf/0f z]o/ -cg';"rL !*=! adf]lhd_ –��� –���

&= a}+s tyf ljQLo ;+:yfsf] cu|flwsf/ z]o/÷l8a]Gr/ %),)),))) %),)),)))

*= cGo –��� –���

jfl0fHo a}+s a08 $^,*),))) $^,*),)))

cfsl:ds aLdfsf]if #%,&!,$@( #%,&!,$@(

���hDdf #,^@,%!,$@( ^,!),)!,$@(

-v_ cNksflng nufgL

!= ;/sf/L / ;/sf/sf] hdfgt k|fKt ;]So'l/6L –��� –���

@= jfl0fHo a}+ssf] d'2tL lgIf]k *,(@,)),))) &,@%,)),)))

#= ljsf; a}+ssf] d'2tL lgIf]k !,&%,)),))) !,&%,)),)))

$= gful/s nufgL of]hgf –��� –���

%= ljQLo ;+:yfsf] d'2tL lgIf]k !,$!,@),))) %(,)),)))

^= a}+s tyf ljQLo ;+:yfsf] cu|flwsf/ z]o/÷l8a]Gr/ –��� –���

&= jfl0fHo a}+ssf] Jofh k|fKt x'g] cGo lgIf]k !),(%,*)# !@,!$,^*%

*= ljsf; a}+ssf] Jofh k|fKt x'g] cGo lgIf]k –��� –���

(= ljQLo ;+:yfsf] Jofh k|fKt x'g] cGo lgIf]k –��� –���

!)= cGo Jofh k|fKt x'g] nufgL -ljj/0f v'nfpg]_ –��� –���

hDdf !@,!(,!%,*)# (,&!,!$,^*%

s'n hDdf !%,*!,^&,@#@ !%,*!,!^,!!$

z]o/df nufgL

qm=;+= ljj/0f ;+Vof ahf/ d"No

cg';"rL– !*=!

v'b /sd c+lst d"No k/n d"No

!= ¬ sDkgLsf] ¬ yfg ¬ z]o/ – – – – –

@= ¬ sDkgLsf] ¬ yfg ¬ z]o/ – – – – –

#= ¬ sDkgLsf] ¬ yfg ¬ z]o/ – – – – –

hDdf – – – – –

Page 77: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^

&%

cGo shf{

qm=;+= ljj/0f o; jif{ ut jif{

cg';"rL– @)

gub tyf a}+s df}Hbft

qm=;+= ljj/0f o; jif{ ut jif{

cg';"rL– !(

!= gub df}Hbft &!,#&$ !!,!&&

-s_ –���� –����

-v_ –���� –����

���hDdf &!,#&$ !!,!&&

@= a}+s df}Hbft

-s_ jfl0fHo a}+sx¿sf] df}Hbft #,*@,((,%^# !*,!^,(%!

-v_ ljsf; a}+sx¿sf] df}Hbft #*,&(,)%@ @%,%@,$#%

-u_ ljQLo ;+:yfx¿sf] df}Hbft !^,^*,(%( !&,@&,^$)

-3_ cGo

r]s df}Hbft *(,$%,@!( @,!),(#,&*#

hDdf %,@&,(@,&(# @,&!,(),*)(

s'n %,@*,^$,!^& @,&@,)!,(*^

-s_ bL3{sfnLg

!= clestf{nfO{ shf{ –���� –�����

@= sd{rf/LnfO{ shf{ –���� –�����

#= cGo -ljj/0f v'nfpg]_ –���� –�����

���hDdf –���� –�����

-v_ cNksfnLg

!= clestf{nfO{ shf{ –���� –�����

@= sd{rf/LnfO{ shf{ –���� –�����

#= cGo -ljj/0f v'nfpg]_ –���� –�����

���hDdf –���� –�����

Page 78: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^

cGo ;DklQ

qm=;+= ljj/0f o; jif{ ut jif{

cg';"rL– @!

!= nufgLaf6 k|fKt x'g af“sL cfo @@,##,&#$ ^,^(,*^!@= shf{af6 k|fKt x'g af“sL Aofh –���� –���#= cGo aLdsaf6 k|fKt x'g af“sL !&,!(,()! –���$= k'gaL{dsaf6 k|fKt x'g af“sL @@,@#,#*! #,*&,($,(%)%= ljljw cf;fdL @,$),)*,)#^ #,#(,(),%(&^= clu|d e'QmfgL %,&*,)^) $,%#,*(^&= sd{rf/L k]ZsL #^,)#,!(( @^,#^,^#$*= cGo k]ZsL !,&@,*$$ !,)$,&#!(= w/f}6L *,$&,#%) ^,(^,*%)!)= c;'n x'g af“sL aLdfz'Ns

Go"gM c;'n x'g af“sL aLdfz'Ns d'NtaL (Suspense) –���� –�����!!= cGo ljj/0f –���� –�����

s_ clu|d bfjL e'QmfgL !),$),))) ^%,&%,)))v_ cGo ;DklQ !,!),!*! *^,#^!u_ dflh{g dgL #,^#,^)) @,*!,@%)3_ clu|d cfos/ !,^(,#@,*)$ !,%*,%$,%*@ª_ ;6j]o/ vl/bsf] nflu clu|d e'QmfgL %&,!(,&#! #%,&$,^&^r_ ;jf/L ;fwg k]ZsL #^,$!,!@% –����5_ k/ ;fl/Psf] s/ #@,)!,((^ !$,$^,(%(

hDdf ^,^#,(%,($@ !),%!,^^,#$&

rfn' bfloTj

qm=;+= ljj/0f o; jif{ ut jif{

cg';"rL– @@

!= clestf{nfO{ lbg af“sL (,*!,$(% !*,%(,^%(@= cGo aLdsnfO{ lbg af“sL !,)^,#!,^%) !,#^,(%,(!@#= k'gaL{dsnfO{ lbg af“sL %,%&,)%,^%% #,)!,$&,#^^$= cNksflng ;fk6L @,!*,%@,@)$ $,^%,#@,!^(%= aLdfz'Ns w/f}6L *,!(& ##)^= k"0f{ ljj/0f gv'n]sf] aLdfz'Ns –��� #!,%&@&= ljljw ;fx" !,&),^@,!!@ %,*#,*$,)#(*= ;xfos÷xf]lN8¨ sDkgLnfO{ lbg af“sL –���� –�����(= >f]tdf s§f ul/Psf] s/ ltg{ af“sL $^,&^,^)# #%,&@,)&)!)= d"No clej[l4 s/ ltg{ af“sL $#,%(,^!# $!,&!,#$@!!= cfos/ ltg{ af“sL –���� –�����!@= ;]jf z'Ns ltg{ af“sL $@,%!,^%! #$,$$,)!*!#= sd{rf/LnfO{ lbg af“sL $,&(,@^$ !*,%!,&*&!$= ;+rfnsnfO{ lbg af“sL –��� #,$))!%= e'QmfgL lbg af“sL nfef+z -8]le8]08_ $,@#,(#* (#,&%,)))!^= cGo –���� –�����

-s_ cu|Ld uf8L ;'ljwf !^,*#,@^) !#,)*,@@^-v_ aLdfz'Ns lkmtf{ ^,%),)*# –�����

hDdf !@,@&,^%,&@% !&,$#,&^,*()

Page 79: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^

&&

c;dfKt hf]lvd jfkt Joj:yf

qm=;+= ljj/0f o; jif{ ut jif{

cg';"rL– @#

!= clUg aLdfsf] c;dfKt hf]lvd hu]8f #&,%*,^$& @$,$*,&*(

@= ;fd'lb|s aLdfsf] c;dfKt hf]lvd hu]8f

rfn' cf=j=sf] !&,^$,(!) @!,(!,^(!

Ps cf=j= cl3sf] @!,(!,^(! @@,@$,*%*

b'O{ cf=j= cl3sf] @@,@$,*%* #,^@,$^^

hDdf ^!,*!,$%( $&,&(,)!%

#= df]6/ aLdfsf] c;dfKt hf]lvd hu]8f #,&#,^&,@(^ @,&!,$%,&)&

$= OlGhgLol/¨ aLdfsf] c;dfKt hf]lvd hu]8f &,$%,$@@ @,%^,$^$

%= xjfO{ aLdfsf] c;dfKt hf]lvd hu]8f #,@@,*#% !,$),$!*

^= ljljw aLdfsf] c;dfKt hf]lvd hu]8f ^@,**,!** &^,)^,(%%

��s'n %,$^,^#,*$& $,@#,&&,#$*

Page 80: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^

&*

ljj/

0f

cGo

Joj

:yf

cg';

"rL–

@#…sÚ

rfn'

cf=j

=df yk

ul/Ps

f]rf

n' cf=j

= df

lkmtf{

jif{s

f] cGtdf

sfod

/x]sf

] Joj:

yf

o; j

if{ut

jif{

ut j

if{o;

jif{

ut j

if{o;

jif{

ut j

if{o;

jif{;

Ddsf]

ut j

if{;Dd

sf]

rfn'

cf=j= d

f ckn

]vg

o; j

if{

jif{s

f] z'?d

f Jo

j:yf

qm=;

+=

!=nf

ef+z -l

8le8

]08_ sf] n

flu Joj

:yf

––

!,^*,&%

,)))

––

––

–!,^

*,&%

,)))

@=cf

os/

Joj:

yf&(

,$&,^$

@%$

,$*,

)(%

!,@*,

%!,#@

*&(

,$&,^$

@&(

,$&,̂

$@%$

,$*,)(

%–

–!,@

*,%!

,#@*

&(,$

&,^$

@

#=nu

fgLd

f gf]S;

fgLs

f] nflu

Joj

:yf

––

––

––

––

––

$=shf

{df g

f]S;fg

Lsf] n

flu Joj

:yf

––

––

––

––

––

%=z+sf:k

b cf

;fdL

sf] n

flu Joj

:yf

^),)*,

)#^

@!,&$,

)@)

–#*

,#$,)!^

––

––

^),)*,

)#^

^),)*,

)#^

^=cG

o gf

]S;fg

Lsf] n

flu Joj

:yf

––

––

––

––

––

&=sd{r

f/L ;

DaGw

L Joj

:yf

s= k]G

;g t

yf p

kbfg

Joj

:yf

$,&(

,&%#

!,)),))

)!@

,)(,@)

&#,&

(,&%

#!!

,#(@

––

–!^

,&&,%^

*$,

&(,&%#

v= ljbf a

fkt

Joj:

yf%,&(

,&%#

@,))

,)))

!#,$

#,@@!

#,&(,&%

#*,

!*,*

)@–

––

!!,)$,

!&@

%,&(

,&%#

u= c

fjf;

tyf

cGo

;'ljwf

Joj

:yf

––

––

––

––

––

3= s

d{rf/L

af]g

; Jo

j:yf

!(,!(

,@@$

!*,*

%,&*

(#^

,%(,&^

)!(

,!(,@@$

–!*

,*%,&*

(–

–%%

,&*,

(*$

!(,!(

,@@$

ª= c

Go–

––

––

––

––

*=cG

o Jo

j:yf

-ljj

/0f v

'nfpg

]_–

––

––

––

––

hDdf

!,^(,#$

,$)*

(*,)&,()

$#,%

(,#*

,%!^

!,$$,

^),#*

**&

,&&,*#̂

&#,##

,**$

––

$,$)

,(%,)*

*!,^

(,#$

,$)*

Page 81: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^

&(

ckn]vg ÷ ;dfof]hg x'g af“sL ljljw vr{x¿

qm=;+= ljj/0f o; jif{ ut jif{

cg';"rL– @$

!= ckn]vg ug{ af“sL k|f/lDes vr{ –��� –���

@= ckn]vg ug{ af“sL k"j{ ;+rfng vr{ –��� –���

#= ckn]vg ug{ af“sL :yug ul/Psf vr{ !*,(),!&) @*,#%,@%%

$= cGo

ckn]vg ug{ af“sL art C0fkqsf] lk|ldod !%,$!,^*! !&,)),*^!

��hDdf #$,#!,*%! $%,#^,!!^

Page 82: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^

*)

ljQLo ljj/0f;+u ;DalGwt k|d'v n]vf gLltx¿

cg';"rL– @%

-s_ lzv/ OG:of]/]G; sDkgL ln= g]kfndf :yflkt ;Lldt bfloTj ePsf] sDkgL xf] . of] sDkgL g]kfn lwtf]kq lalgdoahf/ ln=df ;"lrs[t ePsf] tyf aLdf ;ldltaf6 aLdf P]g, @)$( sf] bkmf !) sf] pkbkmf # tyf aLdflgodfjnL, @)$( sf] lgod * sf] pklgod -!_ adf]lhd ldlt @)^! ;fn sflt{s @^ ut] aLdssf] k|df0f–kqk|fKt eO{ aLdf Joj;fo ;~rfng ug{ :jLs[lt k|fKt sDkgL xf] .

-v_ ljQLo ljj/0Fx¿ tof/ kfbf{ cfwf/ dflgPsf n]vf gLltx¿ tn pNn]v ul/Psf 5g\ . cGoyf n]lvPsf]df afx]soL gLltx¿sf] kfngf lg/Gt/ ¿kdf ul/Psf] 5 .

!= ljQLo ljj/0F tof/Lsf cfwf/x¿M

lzv/ OG:of]/]G; sDkgL ln=sf] ljQLo ljj/0Fx¿, cGoyf pNn]v u/]sf] afx]s, aLdf P]g, Pj+ lgodfjnL@)$(, aLdf ;ldltsf] lgb]{zg, sDkgL P]g, @)^#, g]kfn n]vfdfg tyf cGo k|rlnt n]vfdfg, tyf ;fdfGotdfGo n]vfsf l;4fGtx¿sf] clwgdf /xL tof/ ul/Psf] 5 .

ljQLo ljj/0Fx¿ P]ltxfl;s nfutsf] cfwf/df tof/ kfl/Psf 5g\ . g]kfn n]vfdfgx¿ tyf n]vfsf ;j{dfGol;4fGtx¿ cg'¿k ljQLo ljj/0Fx¿ tof/ kfbf{ s]xL cfjZos n]vf cg'dfgx¿ ul/Psf 5g\ .

ljQLo ljj/0Fx¿ Going Concern Assumption sf cfwf/df tof/ kfl/Psf 5g\ .

@= l:y/ ;DklQ n]vf°g gLltM

l:y/ ;DklQnfO{ cfos/ P]g, @)%* cg';f/ vl/b u/]sf] d"Nodf 36\bf] ¥xf; k|0ffnL ckgfO{ ¥xf; s§L u/Lb]vfOPsf] 5 . ;DklQ k|fKt ug{sf nflu ul/Psf] vr{ klg k"“hLs/0F ul/Psf] 5 .

#= ¥xf; s§L gLltM

cfos/ P]g, @)%* sf] bkmf !( tyf cg';"rL @ sf] b/ tyf k"“hLs/0F ljlw adf]lhd ¥xf; s§L ul/Psf]5 . sDkgLn] ckgfPsf] ¥xf; s§L gLlt g]kfn n]vfdfg ^ (NAS 06 - Property, Plant and Equipment) cg';f/5}g .

$= k"“hLs[t gul/g] ;DklQx¿ ;DaGwL n]vf°g gLltM

¿= %))) eGbf sd d"Nosf] ;DklQnfO{ vl/b ul/Ps} ;dodf vr{ n]lvPsf] 5 .

%= cfos/ Joj:yf gLltM

cfos/ P]g, @)%* sf] clwgdf /xL cfos/ Joj:yf ul/Psf] 5 .

ljQLo ljj/0F cg';f/sf] ;DklQ tyf bfloTjsf] /sd tyf s/sf] cfwf/aLr km/s eO{ >[hgf x'g] c:yfoLcGt/ (Temporary Difference) sf] sf/0Fn] eljiodf >[hgf x'g] s/ bfloTj tyf ;DklQsf] nut /fVg] p2]Zon]:yug s/sf] n]vfÍg ul/Psf] 5 . :yug s/ ;DklQ tyf bfloTj dfkg ug{sf nflu h'g aif{df c:yfoLcGt/ ;dfof]hg x'g ;S5 ;f]xL aif{sf nflu P]gåf/f nfu" eO;s]sf]] s/sf] b/ jf xfnsf] s/sf] b/ nfu'x'g] cg'dfg ul/Psf] 5 . ;fy} :yug s/ ;DklQnfO{ eljiodf kof{Kt s/of]Uo cfo l;lh{t eO{ pQm s/of]Uocfodf ;dfof]hg ug{ ;Sg] cg'dfg u/L n]vfÍg ul/Psf] 5 .

^= nufgL n]vf°g gLltM

nufgL n]vfÍgsf] ;DaGwdf sDkgLn] aLdf ;ldltsf] nufgL lgb]{lzsfsf] clwgdf /xL b]xfo adf]lhd nufgLul/Psf] 5 .

-s_ g]kfn ;/sf/sf] artkq jf C0fkq jf g]kfn ;/sf/sf] hdfgt k|fKt C0Fkqdf ul/Psf] nufgLnfO{

Page 83: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^

*!

c+lst d"No jf k/n d"NodWo] h'g 36L 5 ;f]xL d"Nodf n]vfÍg ul/Psf] 5 . nufgLsf] c+lst d"NoeGbfk/n d"No a9L ePdf To:tf] a9L /sdnfO{ ;f]xL /sdnfO{ nufgLsf] cjlw el/df ckn]vg ul/Psf] 5 .

-v_ klAns lnld6]8 sDkgLn]] hf/L u/]sf] C0fkqx¿sf] nufgL n]vfÍg k/n d"Nosf] cfwf/df ul/Psf] 5 .-u_ a}+s tyf ljQLo ;+:yfsf] d'2tL lgIf]kdf u/]sf] nufgLnfO{ ;f“jf /sddf b]vfO{Psf] 5 .

&= ;6xL 36a9 ;dfof]hg gLltMljb]zL d'b|fdf /x]sf] ;DklQ Pj+ bfloŒjx¿nfO{ jiff{Gtdf /x]sf] ljlgdo b/n] g]kfnL ¿k}of“df ¿kfGt/0F ul/Psf]5 . sDkgLn] ljb]zL d'b|f k|fKt ldlt jf k7fPsf] ldltdf sfod /x]sf] ljlgdo b/nfO{ cfwf/ dfgL n]vfÍgul/Psf] 5 . lng lbg kg]{ ePdf aif{sf] cGTodf sfod /x]sf] ljlgdo b/sf] cfwf/df km/s kg{ hfg] /sdnfO{ljlgdodf gfkmf jf gf]S;fg lx;fadf b]vfpg] gLlt cjnDjg ul/Psf] 5 .

*= aLdfz'Ns cfDbfgL n]vf°g gLltM

-s_ aLdfz'Ns cfDbfgL gub k|flKtsf] cfwf/df af“Wg] gLlt lnPsf] 5 . aLdfz'Ns cfDbfgL gub k|fKt ldlteGbf aLdfz'Ns e'QmfgL ug{'kg]{ ldlt kl5 ePdf kl5Nnf] ldltdf z'Ns cfDbfgL a“fWg] gLlt lnOPsf]5 .

-v_ k'gaL{df :jLsf/ u/] afkt k|fKt x'g] aLdfz'Ns cfDbfgLsf] n]v k|f]befjL (Accural) cfwf/df ul/Psf] 5 .-u_ aLdfz'Ns Ps aif{eGbf a9L cjlwsf] nflu Psd'i6 k|fKt ePdf aLdf cjlwsf] ;dfg'kflts ¿kdf rfn'

cfly{s aif{sf] nflu x'g cfpg] aLdfz'Ns cfDbfgL af“wL af“sL /x]sf] /sd 5'§} w/F}6L vftfdf /flvPsf]5 .

-3_ w/f}6L vftfdf /FlvPsf] /sdaf6 kl5Nnf jif{x¿df aLdf cjlwsf] ;dfg'kflts ¿kdf aLdfz'Ns cfDbfgLaf“Wg] gLlt /x]sf] 5 .

(= k'gaL{df sldzg cfDbfgL n]vf°g gLltM

k'gaL{df sDkgLaf6 k|fKt sldzgnfO{ gub k|flKt jf k'gaL{df sDkgLaf6 ;dy{g k|fKtsf] cfwf/df cfDbfgLn]vfÍg ul/Psf] 5 .

!)= cGo cfo n]vf°g tyf af“8kmf“8 gLltM

cGo cfo n]vfÍg g]kfn n]vfdfg cg';f/ k|f]befjL cfwf/df (Accrual Basis) ul/Psf] 5 . aLdf ;ldltsf]lgb]{zgsf] clwgdf /xL nufgL, shf{ tyf cGoaf6 ePsf] cfonfO{ rfn' cf=j= df k|To]s aLdf Aoj;fosf]ef/ tyf sDkgLsf] ut cfiff9 d;fGtsf] g]6 jy{ (Net Worth) nfO{ gfkmf–gf]S;fg lx;fasf] ef/ dfgL ;DalGwtaLdf Aoj;fosf] cfo–Aoo lx;fadf / gfkmf–gf]S;fg lx;fadf af“8kmf“8 ug]{ gLlt /x]sf] 5 .

!!= shf{ n]vf°g gLltM

sDkgLn] cfgf]] sd{rf/Lx¿nfO{ sDkgLsf] sd{rf/L lgodfjnL cGtu{t /xL lbOPsf] shf{ afx]s c¿ s'g}klg k|sf/sf shf{ lnPsf] jf lbPsf] 5}g .

!@= Aoj:yfkg vr{ af“8kmf“8 gLltM

aLdf ;ldltsf] lgb]{zgsf] cfwf/df Joj:yfkg vr{sf] !) k|ltzt /sd gfkmf–gf]S;fg lx;fadf vr{ b]vfO{af“sL /sdnfO{ ;DalGwt aLdf Joj;fosf] k|ToIf aLdfz'Nsdf clestf{ sldzg s§f u/L x'g cfpg] /sdnfO{To; aLdf Joj;fosf] ef/ dfgL ;a} aLdf Joj;fosf] cfo–Joo lx;fadf af“8kmf“8 ug]{ gLlt /x]sf] 5 .

!#= aLdf bfjL e'QmfgL vr{ n]vf°g gLltM

sDkgLn] bfaLsf] nfut u0Fgf ubf{ aLdfn]v adf]lhd e'QmfgL ug'{kg]{ /sd tyf ;f] bfjL km5\of}{6sf] nflucfjZos k/fdz{ tyf cg';Gwfg vr{ ;dfj]z u/L n]vfÍg ul/Psf] 5 . t/ aLdssf] kbflwsf/L jf sd{rf/Ln]u/]sf] sfdsf] kfl/>lds / cGo vr{ afktsf] /sd ;dfj]z u/]sf] 5}g .

!$= aLdf bfjL afkt bfloTj Joj:yf n]vf°g gLltMcfly{s jif{sf] cGTodf ltg{ af“sL /x]sf] bfjL jfkt bfloTj Joj:yf v'b ltg{ af“sL bfjL /sdsf] !!% k|ltztn]ul/Psf] 5 .

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*@

!%= v'b gfkmf af“8kmf“8 gLltMgfkmf–gf]S;fg lx;faaf6 cfPsf] v'b gfkmfaf6 k/ ;fl/Psf] s/ (Deferred Tax) jfktsf] /sd 36fO{ af“sL/x]sf] /sdsf] %) k|ltzt /sd aLdf ;ldltsf] lgb]{zg adf]lhd k|To]s lsl;dsf] aLdf sf]ifdf cfo–Joolx;faaf6 cfPsf] artsf] cg'kftdf / gf]S;fg cfPdf ;f] sf]ifdf z"Go a/fa/sf] /sd /flv af“8kmf“8 ul/Psf]5 . af“sLsf] %) k|ltzt /sd af“8kmf“8sf] nfu pknAw /sd elg gfkmf–gf]S;fg lx;fadf hgfO{Psf] 5 .

!^= sd{rf/L pkbfg, ljbf tyf cGo ;'ljwf afkt Joj:yf gLltM

-s_ ;~ro sf]if (Providend fund)

;~ro sf]if jfkt sDkgLn] u/]sf] of]ubfg /sdnfO{ vr{ b]vfO{ :jLj[mt cjsfz sf]if -sd{rf/L ;~rosf]if sfof{no_ df hDdf ug]{ Joj:yf ul/Psf] 5 .

-v_ pkbfg (Gratuity)

sDkgLsf] sd{rf/L lgodfjnLdf Joj:yf eP cg';f/ # jif{ jf To;eGbf a9L sDkgLdf :yfoL ;]jfu/]sf sd{rf/Lx¿sf nflu ;f]xL lgodfjnL adf]lhd x'g] bfloTjsf] lx;fa u/L Accural Basis df Joj:yful/Psf] 5 .

-u_ ;+lrt ljbf (Leave Encashment)

sd{rf/Lsf] ljbf tyf cGo ;'ljwf jfkt sDkgLn] ul/Psf] vr{nfO{ k|f]tefjL cfwf/df n]vfÍg ul/Psf]5 .pkbfg, ljbf tyf cGo ;'ljwf jfktsf] /sdsf] e'QmfgL, e'QmfgL ul/g] ;dosf] clGtd tnadfg(Payment on the basis of last drawan salary) cg';f/ ul/Psf] 5 .

!&= z+sf:kb cf;fdL Joj:yf gLltMz+sf:kb cf;fdLnfO{ ztk|ltzt Aoj:yf u/L gfkmf–gf]S;fg lx;fa cGtu{t vr{df n]vfÍg ul/g] gLltsDkgLn] ckgfPsf] 5 . pQm Joj:yf ul/Psf] /sd k|fKt ePdf k|fKt ePsf] cfly{s jif{df cfDbfgL n]vfÍgul/g] 5 .

!*= ckn]vg vr{ n]vf°g gLltM-s_ ckn]vg vr{ gfkmf–gf]S;fg lx;fadf s'n vr{nfO{ % jif{ cjlw ;Dddf Go"g x'g] u/L Straight line method

cfwf/df vr{ hgfO{Psf] 5 .

-v_ c+lst d"No eGbf k/n d"No a9L ePsf] nufgLsf] v08df To:tf] a9L /sdnfO{ nufgLsf] cjlw el/ckn]vg u/L vr{ n]vfÍg ul/g] 5 .

!(= c;dfKt hf]lvd hu]8f (Unexpired Risk Reserves)

aLdf lgodfjnL, @)$( lgod !% -v_ cg'¿k sDkgLn] clUg, ;fd'lGb|s, df]6/, OlGhlgol/¨, xjfO{ tyfljljw aLdftkm{ v'b aLdfz'Ns cfDbfgLsf] %)∞ /sd c;dfKt hf]lvd hu]8fdf b]vfO{Psf] 5 . o;/L Aoj:yful/Psf] /sdnfO{ kl5Nnf] cfly{s aif{df cfDbfgL hgfO{Psf] 5 . t/ ;fd'lGb|s aLdfsf] xsdf o;/L Aoj:yful/Psf] /sdnfO{ # aif{ kl5sf] cfly{s aif{df cfDbfgL hgfO{Psf] 5 .

@) dxfljklQ sf]ifaLdf ;ldltåf/f dxfljklQ sf]ifdf ;fg'{kg]{ /sdsf] af/]df s'g} Joj:yf gu/]sf] x'gfn] o; cfly{s jif{df pQmsf]ifdf s'g} /sd Joj:yf ul/Psf] 5}g .

@!= hu]8f tyf sf]ifhu]8f tyf sf]if aLdf ;ldltn] hf/L u/]sf] ……lghL{jg aLdf Joj;fo ug]{ aLdssf] ljQLo ljj/0f ;DaGwLlgb]{zgÆ adf]lhd v8f ul/Psf] 5 .

@@= aLdfsf]ifaLdf ;ldltsf] lgb]{zg adf]lhd k|To]s lsl;dsf] aLdfsf] nflu 5'§f5'§} aLdfsf]if /fVg'kg]{ k|fjwfg 5 .gfkmf–gf]S;fgaf6 cfPsf] v'b gfkmfaf6 k/ ;fl/Psf] s/ jfktsf] /sd 36fO cfpg] %) k|ltzt /sdnfO{k|To]s lsl;dsf] aLdfsf]ifdf tf]lsP adf]lhd af“8kmf“8 ul/Psf] 5 .

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*#

ljQLo ljj/0f;+u ;DalGwt n]vf;DaGwL l6Kk0fLx¿

cg';"rL– @^n]vf ;DaGwL l6Kk0FL (Notes to Accounts)

!= ;Defljt bfloTjx¿Mc_ r'Qmf jf e'QmfgL x'g af“sL nufgL 5}g .

cf_ k|Tofe'lt k|lta4tf (Underwriting Commitments) 5}g .

O_ aLdfn]v cGtu{t eGbf afx]saf6 lbOPsf] Uof/]06L 5}g .

O{_ Joj;fo sf/f]jf/sf] l;nl;nfdf ljleGg lgsfo Pj+ ;+3–;+:yfx¿åf/f cf≈jfg ul/Psf af]nkqsf] ;t{ cg'¿kdflh{g dgL :j¿k ¿= #,^#,^))÷– /flvPsf] 5 .

p_ cGo bfloTjx¿ 5}g .

@= e'QmfgL ug{ af“sL bfjL afkt bfloTj d"NofÍg ubf{ cjnDag ul/Psf cfwf/x¿Mlaut jif{sf] cg'ej / ;e]{o/;+u ul/Psf] k/Fdz{ cg';f/ ul/Psf] 5 . aLdf lgofdfjnL, @)$( sf] lgod !%-3_ sf] Joj:yf cg'¿k ;"lrt ul/Psf] bfaLsf] cg'dflgt bfloTjdf sDkgLsf] c+zsf] !!%k|ltztn] x'g cfpg]/sd bfaL afkt Joj:yf ul/Psf] 5 .

#= aLdssf] ;DklQdf cfPsf] ;Lldttf tyf ljjfbx¿MlgDg pNn]lvt afx]s ;DklQdf s'g} klg ;Lldttf tyf ljjfbx¿ cfPsf 5}gg\ .o; sDkgLn] ldlt @)^#÷^÷^ df /flhj ljqmd zfx;+u vl/b u/]sf] sf=lh=sf=d=g=kf= j8f g+= !! ls=g= @#%(sf] If]=km= #–!)–)–) hUufdf ldlt @)^$÷(÷!* df uLtf /fHo nIdL b]jL l;+xn] sDkgLsf] lj¿4 sf7df8f}+lhNnf cfbfntdf /flhgfdfsf] lnvt btf{ jb/ / hfn;fhL d'4f bfo/ u/L pQm d'4f cbfntdf ljrf/flwg /x]sf]5 . ljkIfLs} dfu adf]lhd sf7df8f}+ lhNnf cbfntsf] cfb]zn] hUuf laqmL ljt/0f tyf xs x:tfGt/0fdf nufPsf]/f]Ssf cfb]z lj?4 sDkgLsf] tkm{af6 d'n'sL P]g c=j= !& g+= adf]lhd ;Ddflgt k'g/fj]bg cbfnt kf6gdflgj]bg u/L k'g/fj]]bg cbfnt kf6gsf] ldlt @)^^÷)%÷@@ ut]sf] cfb]zn] sf7df8f}+ lhNnf cbfntaf6 hUuflaqmL ljt/0f tyf xs x:tfGt/0fdf nufPsf] /f]Ssf cfb]z ab/ ePsf] 5 .

$= shf{, nufgL tyf l:y/ ;DklQsf] nflu ul/Psf] k|ltj4tfMsDkgLsf] cfgf] sfof{no ejg lgdf{0fsf nflu ljleGg kIfx¿;+u 7]Ssf tyf s/f/x¿ adf]lhd ul/Psf] k"“hLs[tk|ltj4tf afx]s shf{ tyf nufgL ;DaGwdf cGo s'g} k"“hLut k|lta4tf u/]sf] 5}g .

%= nufgL;+u ;DalGwt b]xfosf vl/b laqmL ;Demf}tfx¿sf] d"NoMc_ vl/b ul/Psf] ;DklQsf] :jfldTj k|fKt gePsf] 5}g .cf_ laqmL ul/Psf] ;DklQsf] e'QmfgL k|fKt e} g;s]sf] 5}g .

^= o; jif{e/L ul/Psf] nufgL tyf laqmL ÷ lkmtf{ lnPsf] nufgLsf] ljj/0FMo; jif{e/L ul/Psf] nufgLx¿sf] ljj/0F o; k|sf/ 5 .g]kfn ;/sf/ / g]kfn /fi6«a}+ssf] C0Fkq ÷ art kq –�����afl0FHo a}+ssf] d'2tL lgIf]k ¿= %&,)),)))÷–lasf; a}+ssf] d'2tL lgIf]k –�����ljQLo ;+:yfsf] d'2tL lgIf]k ¿= !(,&),)))÷–

o; aif{ e/Ldf laqmL lkmtf{ ePsf nufgL o; k|sf/ 5g\ .afl0FHo a}+ssf] d'2tL lgIf]k –������lasf; a}+ssf] d'2tL lgIf]k ¿= &%,)),)))÷–ljQLo ;+:yfsf] d'2tL lgIf]k –�����cGo Aofh k|fKt lgIf]k ¿= !,!*,**@÷–

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*$

&= a}+s df}Hbft lx;fa ;DaGwdf ;DalGwt a}+s÷ljQLo ;+:yfsf] ;dy{g ;lxtsf] lx;fa ldnfg ;DaGwL Joxf]/fMafl0FHo a}+s, lasf; a}+s tyf ljQLo ;+:yfx¿df /x]sf] a}+s df}Hbft sDkgLsf] lx;fa;“u ldnfg ul/;s]sf] /;DalGwt ;+:yfx¿af6 dF}Hbft ;dy{g kq k|fKt e};s]sf] 5 .

*= k'gaL{ds;+u lng' lbg' af“sL lx;fa ;DaGwdf ;DalGwt aLds÷k'gaL{dssf] ;dy{g ;lxtsf] lx;fa ldnfg ;DaGwLJoxf]/fMk'gaL{ds;+u lng' lbg' af“sL lx;fa ;DaGwdf -cfly{s aif{ @)^%÷@)^^ cfiff9 d;fGt ;Ddsf]_ aLds÷k'gaL{dssf];dy{g kq k|fKt eO{ cfjZos ;dfof]hg ul/;s]sf] 5 . /fli6«o aLdf ;+:yfgsf] lx;fa ldnfg ubf{ ¿= @,)#,@)&÷–lng kg]{ /sd gldn]sf] x'“bf pQm /sdnfO{ ckn]vg u/L cg';"rL ( cGtu{g hgfO{Psf] 5 .

(= aLdsn] u/]sf] nufgL k|rlnt aLdf P]g, lgodfjnL tyf aLdf ;ldltaf6 tf]lsP adf]lhd /x] g/x]sf]MlgDg Joxf]/f afx]s o; sDkgLn] u/]sf] nufgL k|rlnt aLdf P]g, lgodfjnL tyf aLdf ;ldltsf] lgb]{zg adf]lhd/x]sf] 5 .

!)= aLdssf] ;+rfns jf ;+rfns;+u ;DalGwt JolQm jf ;+:yf;+u ePsf] sf/f]af/Mo; sDkgLn] ;+rfns tyf ;+rfns;+u ;DalGwt JolQm jf ;+:yf / sDkgLsf ;:yfksx¿af6 hDdf¿= !&,@@,!(,(^( a/Fa/sf] aLdf lk|ldod k|FKt u/]sf] 5 / ¿= ^^,^%,*#! a/fa/sf] aLdf bfaL e'QmfgL u/]sf]5 .

!!= aLdsn] cfgf] ;DklQsf] ;'/If0fdf lnPsf] C0fsf] lwtf], zt{ tyf cf}lrToMaLdsn] cfgf] ;DklQsf] ;'/IF0Fdf s'g} klg C0Fsf] lwtf], zt{ tyf cf}lrTo lnPsf]– sDkgLn] ejg lgdf{0f sfo{lg/Gt/tfsf] nflu jfl0fHo a}+sx¿sf d'2tL /l;bnfO{ lwtf] /flv C0f lnPsf] 5 . pQm C0f jfkt lt/]sf] Jofhvr{nfO{ lgdf{0fflwg k"“hLut vr{ cGtu{t k"“hLs/0f ul/Psf] 5 .

!@= cfos/M!@=! cfos/sf] Aoj:yf

cfos/sf] Aoj:yf cfos/ P]g, @)%* adf]lhd ul/Psf] 5 . sDkgLsf] cf=j= @)^@÷^# ;Ddsf] s/ r'Qmfk|df0f–kq k|fKt eO;s]sf] 5 . cf=j= @)^#÷^$, @)^$÷^% sf] s/ lgwf{/0F cfGtl/s /fhZj sfof{noaf6ePsf] 5}g .

!@=@ k/ ;fl/Psf] s/ (Deferred Tax Assets) :

k/ ;fl/Psf] s/ (Deferred Tax) sf] lx;fa lgDgfg';f/ ul/Psf] 5 M

!#= k/ ;fl/Psf] s/ jfkt hu]8f (Deferred Tax Reserve)

k|:t't jif{b]lv k/ ;fl/Psf] s/ afkt hu]8f sfod ug]{ gLlt sDkgLn] lnPsf] 5 . k/ ;fl/Psf] s/ hDdf¿= #@,)!,((^ dWo] o; jif{df ¿= @$,&*,%!& -o; cf=j=sf] k/ ;fl/Psf] s/ jfktsf] ;Dk"0f{ /sd¿= !&,%%,)#& / cf=j= )^$÷)^% sf] hu]8f sf]ifdf /x]sf] /sd ¿= &,@#,$*) sf] s'n /sd_ afkt hu]8fsf]if v8f u/L cg';"rL !$ cGtu{t hgfOPsf] 5 .

k/ ;fl/Psf] s/ ;DklQ÷ bfloTj ljj/0fz+sf:kb cf;fdL Joj:yf !@,)&,&!% %,($,^(^ !*,)@,$!!labf tyf pkbfg Joj:yf @,#(,@$$ %,(%,@&* *,#$,%@@art C0fkqsf] lk|ldod – $,^@,%)$ $,^@,%)$dd{t tyf ;Def/ vr{ jfkt – !,)@,%%( !,)@,%%(hDdf !$,$^,(%( !&,%%,)#& #@,)!,((^

z'? df}Hbft o; cf=j=sf] clGtd df}Hbft

nufgLsf] k|sf/ nufgL k|ltzt kl/kq cg'¿k x'g'kg]{ nufgL ¿= s}lkmot

g]kfn /fi6« a}+s a08 !$=%$ sDtLdf !%∞ ck'u nufgL

Unf]an a}+s ln= )&=() a9Ldf %∞ clws nufgL

;g/fO{h a}+s ln= )^=#) a9Ldf %∞ clws nufgL

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*%

!^= r'Qmf k"“hLdWo] clu|d e'QmfgL k|fKt (Paid in advance), e'QmfgL k|fKt x'g af“sL (Call in arrears) / hkmt ul/Psft/ k'gM lgisfzg gul/Psf] z]o/ 5}g .

!&= lnh xf]N8 ;DklQdf ut jif{;Dd / o; jif{ ckn]vg (Amortization) ul/Psf] /sd 5}g .

!*= aif{ el/df ePsf] jf;nft aflx/sf] sf/f]jf/sf] ljj/0F 5}g .

!(= cl3Nnf aif{x¿;+u ;DalGwt cfDbfgL tyf vr{x¿ 5}g .

@)= cg';"rL !( cGtu{t cGodf hgfO{Psf] ¿= *(,$%,@!( Cheque in Hand sf] ;Dk"0f{ /sd cf=j= @)^^ ;fpg!% ;Dddf sDkgLsf] a}+s vftfdf hDdf eO;s]sf] 5 .

@!= cGo hu]8f sf]ifMcfly{s aif{ @)^$÷^% df ;f] cfly{s aif{ ;dfKt eP kZrft\ n]vfk/LIf0F cjlw leq k|fKt aLdfz'Ns /sd, xjfO{aLdf afkt c;'n x'g af“sL aLdfz'Ns ¿= #,)*,&^,#$$÷– /sdnfO{ aLdf ;ldltsf] lgb]{zg adf]lhd af“8kmf““8sf]nflu pknAw /sd cGtu{t cGo hu]8fdf pNn]v u/L Go"gM ul/Psf] lyof] . pQm /sd o; cfly{s aif{ @)^%÷^^df k"/} c;'n ePsf] x'“bf ;f] hu]8f sf]ifnfO{ gfkmf–gf]S;fg lx;fadf af“8kmf“8sf] nflu pknAw /sd cGtu{t¿= #,)*,&^,#$$÷– cfDbfgL hgfO{Psf] 5 .

@@= k|:tfljt nfef+z (Proposed Dividend)

o; sDkgLn] cf=j= @)^%÷^^ df !#=% k|ltztn] x'g cfpg] /sd ¿= !,^*,&%,)))÷– gub nfef+z ljt/0fug]{ k|:tfj ul/Psf] 5 .

@#= af]g; Joj:yfMaf]g; P]g, @)#) adf]lhd s'n gfkmfsf] !) k|ltzt /sd sd{rf/L af]g; afkt Joj:yf ul/Psf] 5 .

@$= lgdf{0fflwg ;k\m6j]o/ vl/bsf] nflu lbO{Psf] k]lZs Pj+ vr{ cfly{s jif{sf] d;fGt cl3 k"0f{ ¿kdf k|of]u gul/Psf]n]k"“hLj[mt ul/Psf] 5}g . sDkgLn] xfn k|of]u u/L cfPsf] ;k\m6j]o/ k"0f{ ¿kdf ;~rfng geO;s]sf] / ;k\m6j]o/dfpTkGg ePsf ;d:ofx¿sf] klg k"0f{ ¿kdf ;dfwfg geO;s]sf] x'“bf ;f] nfO{ ul/Psf] vr{ cg';'rL !( adf]lhd;k\m6j]o/sf] nflu k]lZs egL b]vfOPsf] 5 .

@%= ut jif{sf] /sdx¿nfO{ cfjZostfg';f/ k'gM juL{s/0f tyf k'gM ;d"lxs/0f ul/Psf 5g\ / ;a} cÍx¿ lgs6td¿k}of“df b]vfOPsf] 5 .

ljj/0f /sd ¿=z]o/ lgisfzg vr{ !*,(),!&)nufgLdf lk|ldod em'QmfgL !%,$!,^*!s'n ckn]vg ul/Psf] vr{ #$,#!,*%!

!$= lkmtf{ u/]sf] aLdfz'Nssf] kl/df0F / sf/0FMo; cf=j=df sDkgLn] ¿= @,*$,^),(&(=$# aLdfz'Ns lgDg sf/0Fx¿n] ubf{ lkmtf{ u/]sf] 5 Ms_ laldtsf] cg'/f]wdf aLdf+s /sd 36fOPsf] .v_ bf]xf]/F] aLdfn]v hf/L x'g uPsf] .u_ k|lttkq /2 x'g uPsf] .3_ aLdfn]vdf jxg ul/Psf] hf]lvd x6fOPsf] .

!%= ckn]vg x'g af“sL vr{sf] ljj/0FMcg';"rL @$ cGtu{t æckn]vg x'g af“sL vr{Æ jfkt ljj/0f lgDg cg';f/ 5 .

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k|d'v ;"rsf°x¿ cg';"rL– @&

qm=;+=cf=j=

;"rsf°ljj/0f@)^#÷)^$@)^$÷)^%

!= g]6 jy{ -lstfaL d"No_ ¿= !%,@%,(!,%&$ !$,@*,^!,))$ !#,)(,@%,@@%

@= z]o/ ;+Vof ;+Vof !@,%),))) !@,%),))) !@,%),)))

#= k|lt z]o/ lstfaL d"No ¿= !@@=!* !!$=@( !)%=&$

$= v'b gfkmf ¿= @,%%,)!,#)% !,@^,(!,%%^ !,!@,#%,&&(

%= k|lt z]o/ cfo (EPS) ¿= @)=$) !)=!% (=((

^= k|lt z]o/ nfef+z (DPS) ¿= !#=%) – &=%)

&= k|lt z]o/ ahf/ d"No (MPPS) ¿= ##!=)) $%%=)) @()=))

*= d"No cfDbfgL cg'kft (PE Ratio) cg'kft !^=@@ $%=$( @(=)#

(= v'b aLdfz'Ns÷s'n aLdfz'Ns k|ltzt @#=&@ @#=!! @)=*%

!)= v'b gfkmf÷s'n aLdfz'Ns k|ltzt ^=)@ #=^( #=%)

!!= s'n aLdfz'Ns÷s'n ;DklQ k|ltzt !)%=^$ *(=!( !)(=))

!@= nufgL / shf{{af6 cfo÷s'n nufgL / shf{ k|ltzt ^=*) ^=!$ $=(#

!#= k'gaL{ds sldzg cfo÷s'n k'gaL{df z'Ns k|ltzt !$=)) !@=@@ !$=))

!$= Joj:yfkg vr{÷s'n aLdfz'Ns k|ltzt !!=)% !!=)! !)=&)

!%= aLdf clestf{ ;DaGwL vr{÷s'n aLdfz'Ns k|ltzt %=!% $=(^ $=**

!^= aLdf clestf{ ;+Vof ;+Vof *# &* ^&

!&= sd{rf/L ;+Vof ;+Vof *& &( &)

!*= sfof{nosf] ;+Vof ;+Vof ^ ^ ^

!(= sd{rf/L ;+Vof÷Joj:yfkg vr{ k|ltzt $^=&( $(=#^ $@=@$

@)= sd{rf/L vr{÷sd{rf/L ;+Vof ¿= @,%!,&&( @,^%,$)* @,)&,$#@

@!= e'QmfgL x'g af“sL bfjL /sd÷e'QmfgL ul/Psf] bfjL /sd k|ltzt !(=)) $%=%% $@=))

@@= e'QmfgL x'g af“sL bfjLsf] ;+Vof÷o; jif{ e'QmfgL

ePsf] bfjLsf] ;+Vof k|ltzt @%=*$ (=&! !#=%)

@#= s'n sfod /x]sf] aLdfn]vsf] ;+Vof ;+Vof !*,(%* !*,#)^ !^,!!(

@$= o; jif{ gjLs/0f ePsf] aLdfn]vsf] ;+Vof÷

ut jif{ sfod /x]sf] aLdfn]vsf] ;+Vof k|ltzt $!=)) #&=)) ##=$)

@%= bfjL k/]sf] aLdfn]vsf] ;+Vof÷

s'n sfod /x]sf] aLdfn]vsf] ;+Vof k|ltzt &=%$ (=*# !!=!&

@^= ;f]Ne]G;L dflh{g k|ltzt – – –

@)^%÷)^^

Page 89: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^

*&

Page 90: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^

**

gf]6M

Page 91: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^

rf}yf] tyf kf“rf}+ jflif{s k|ltj]bg

@)^$÷)^% tyf @)^%÷)^^

lzv/ OG:of]/]G; s+= ln=

www.shikharinsurance.com

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Shikhar Insurance Co. Ltd.Head OfficeShikhar Biz Centre, ThapathaliP.O. Box: 11133, Kathmandu, NepalTel: 4246101, 4246102, Fax: 977-1-4246103E-mail: [email protected]

New Road BranchShiva Arcade, 2nd FloorBasantapur, New Road, KathmanduTel: 4239960, 4239961Fax: 977-1-4215799

Ekantakuna BranchEkantakuna Ringroad, Lalitpur(Infront of Yatayat Office)Tel: 5001805, Fax: 977-1-5001804

Satdobato BranchSatdobato, Lalitpur(Yatayat Office, Motorcycle)Tel: 5521814

Biratnagar BranchChandra Complex, Himalaya RoadMahendra Chowk, BiratnagarTel: 021-538390, Fax: 977-21-538391

Birgunj BranchMahabir Mandir, Main Road, BirgunjTel: 051-528181, Fax: 977-51-528088

Pokhara BranchCity Bank, 2nd Floor, Chipledhunga, PokharaTel: 061-523100, Fax: 977-61-520333

Nepalgunj BranchDhamboji, Surkhet Road, NepalgunjTel: 081-527464, Fax: 977-81-527465

Bancassurance:• Kumari Bank, New Road

• Sunrise Bank, Gairidhara

• Global Bank, Kantipath

Shikhar Biz Centre, Thapathali, P.O. Box: 11133, Kathmandu, NepalTel: 4246101, 4246102, Fax: 977-1-4246103, E-mail: [email protected]

���������������������������

Shikhar Household Insurance coversFire, Burglary, Riot, Strike, MaliciousDamage, Sabotage, Terrorism andalso other natural calamities likeFlood, Storm, Earthquake etc.

Your dream house for generations to

c o m e . E n s u r e i t l a s t s .

Think further. Think Shikhar.Household

ljsf; h+uaxfb'/ /f0ffcWoIf

k|bLk h+u kf08];+rfns

nf]d; OGe]i6d]G6 s+= k|f= ln= sf] t˚{af6

ls/0f z]v/ cdfTo;+rfns

;j{;fwf/0f z]o/wgLx?sf] t˚{af6

jL/]Gb| axfb'/ a:g]t;+rfns

a'4 Po/ k|f= ln= sf] t˚{af6

lbk k|sfz kf08]k|d'v sfo{sf/L clws[t

;]jf kf7ssDkgL ;lrj tyf

n]vf k|aGws

la= s]= cu|jfnla= s]= cu|jfn P08 s+=, rf6{8 PsfpG6]G6;\

n]vf k/LIfs

;+rfns ;ldlt

Joj:yfkg

l6= cf/= pkfWofo P08 s+=rf6{8 PsfpG6]G6;\

cfGtl/s n]vf k/LIfs

/fds[i0f lg/fnfsfg"gL ;Nnfxsf/

/fh]Gb| k|;fb >]i7;+rfns

cf+ l5/L z]kf{;+rfns

uf}/j cu|jfn;+rfns

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plbt sfn]k|aGws

cg';Gwfg tyf ljsf;

al/idf cfrfo{ -;fpb_k|aGws

bfjL tyf xjfO{ aLdf

Page 92: lzv/ OG:of]/]G; s+= ln= - shikharinsurance.comshikharinsurance.com/wp-content/uploads/2014/03/Shikhar-AR-064-66.pdf · rf}yf] tyf kf“rf}+{ jflifs k|ltj]bg @)^$÷)^% tyf @)^%÷)^^

rf}yf] tyf kf“rf}+ jflif{s k|ltj]bg

@)^$÷)^% tyf @)^%÷)^^

lzv/ OG:of]/]G; s+= ln=

www.shikharinsurance.com

���������������������������

Shikhar Insurance Co. Ltd.Head OfficeShikhar Biz Centre, ThapathaliP.O. Box: 11133, Kathmandu, NepalTel: 4246101, 4246102, Fax: 977-1-4246103E-mail: [email protected]

New Road BranchShiva Arcade, 2nd FloorBasantapur, New Road, KathmanduTel: 4239960, 4239961Fax: 977-1-4215799

Ekantakuna BranchEkantakuna Ringroad, Lalitpur(Infront of Yatayat Office)Tel: 5001805, Fax: 977-1-5001804

Satdobato BranchSatdobato, Lalitpur(Yatayat Office, Motorcycle)Tel: 5521814

Biratnagar BranchChandra Complex, Himalaya RoadMahendra Chowk, BiratnagarTel: 021-538390, Fax: 977-21-538391

Birgunj BranchMahabir Mandir, Main Road, BirgunjTel: 051-528181, Fax: 977-51-528088

Pokhara BranchCity Bank, 2nd Floor, Chipledhunga, PokharaTel: 061-523100, Fax: 977-61-520333

Nepalgunj BranchDhamboji, Surkhet Road, NepalgunjTel: 081-527464, Fax: 977-81-527465

Bancassurance:• Kumari Bank, New Road

• Sunrise Bank, Gairidhara

• Global Bank, Kantipath

Shikhar Biz Centre, Thapathali, P.O. Box: 11133, Kathmandu, NepalTel: 4246101, 4246102, Fax: 977-1-4246103, E-mail: [email protected]

���������������������������

Shikhar Household Insurance coversFire, Burglary, Riot, Strike, MaliciousDamage, Sabotage, Terrorism andalso other natural calamities likeFlood, Storm, Earthquake etc.

Your dream house for generations to

come. Ensure it lasts.

Think further. Think Shikhar.Household ljsf; h+uaxfb'/ /f0ff

cWoIf

k|bLk h+u kf08];+rfns

nf]d; OGe]i6d]G6 s+= k|f= ln= sf] t˚{af6

ls/0f z]v/ cdfTo;+rfns

;j{;fwf/0f z]o/wgLx?sf] t˚{af6

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a'4 Po/ k|f= ln= sf] t˚{af6

lbk k|sfz kf08]k|d'v sfo{sf/L clws[t

;]jf kf7ssDkgL ;lrj tyf

n]vf k|aGws

la= s]= cu|jfnla= s]= cu|jfn P08 s+=, rf6{8 PsfpG6]G6;\

n]vf k/LIfs

;+rfns ;ldlt

Joj:yfkg

l6= cf/= pkfWofo P08 s+=rf6{8 PsfpG6]G6;\

cfGtl/s n]vf k/LIfs

/fds[i0f lg/fnfsfg"gL ;Nnfxsf/

/fh]Gb| k|;fb >]i7;+rfns

cf+ l5/L z]kf{;+rfns

uf}/j cu|jfn;+rfns

OGb| k|;fb sdf{rfo{:jtGq ;+rfns

;ljtf df:s]gfoa dxfk|aGwsc08//fOl6·

plbt sfn]k|aGws

cg';Gwfg tyf ljsf;

al/idf cfrfo{ -;fpb_k|aGws

bfjL tyf xjfO{ aLdf


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