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II. Royal Sundaram, India's first private non-life insurance company

III. New India Assurance Company

1. Cattle Insurance

2. Poultry Insurance

3. Sheep and Goat Insurance

4. Kamadhenu Insurance Scheme

5. Livestoc Insurance Scheme

II. ரயல சநதரம, இநயவன தல தய ன – ப கபட கம

III. இநய அஸரனஸ கம

1. கல கபட

2. க! கபட

3. "ம#$ #%&ம '()ட கபட

4. க#த* கபட +ம

5. கல கபட +ம

I. Livestock Insurance Sceme

!he Livestoc Insurance Scheme" a centrally sponsored scheme" is #ein$ implemented on a

 pilot #asis durin$ 2%%5&%' and 2%%'&%( o) the 1%th *ive +ear Plan in 1%% selected districts.

,nder the scheme" the cross#red and hi$h yieldin$ cattle and #u))aloes are #ein$ insured at

ma-imum o) their current maret price. !he premium o) the insurance is su#sidied to the

tune o) 5%/. !he entire cost o) the su#sidy is #ein$ #orne #y the Central Government. !he

 #ene)it o) su#sidy is #ein$ provided to a ma-imum o) 2 animals per #ene)iciary )or a policy

o) ma-imum o) three years. !he scheme is #ein$ implemented in all states e-cept Goa

throu$h the State Livestoc 0evelopment oards o) respective states. !he scheme ill #e

e-tended in 11th *ive +ear Plan coverin$ entire country and more species o) livestocdependin$ on its per)ormance durin$ the pilot period.

!he Livestoc Insurance Scheme has #een )ormulated ith the tin o#ective o) providin$

 protection mechanism to the )armers and cattle rearers a$ainst any eventual loss o) their

animals due to death and to demonstrate the #ene)it o) the insurance o) livestoc to the people

and popularie it ith the ultimate $oal o) attainin$ ualitative improvement in livestoc and

their products.

!. "uidelines for Implementation of Livestock Insurance Sceme

Livestoc Sector is an important sector o) national" especially rural economy. !he

supplemental income derived )rom rearin$ o) livestoc is a $reat source o) support to the

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)armers )acin$ uncertainties o) crop production" apart )rom providin$ sustenance to poor and

landless )armers.

*or promotion o) the livestoc sector" it has #een )elt that alon$ ith providin$ more e))ective

)or disease control and improvement o) $enetic uality o) animals" a mechanism o) assured

 protection to the )armers and cattle rearers needs to #e devised a$ainst eventual losses o) suchanimals. In this direction" the Government has approved a ne centrally sponsored scheme

on Livestoc Insurance on pilot #asis to #e implemented durin$ the 1%th Plan. !he

continuance o) the scheme #eyond that ill #e #ased on a critical assessment o) its

 per)ormance durin$ this period. !he #road $uidelines" su#ect to the plausi#le discretion o)

the Chie) -ecutive 6))icers" to #e )olloed #y the States )or implementin$ the scheme are

detailed #elo7

#. Implementin$ A$ency

0epartment o) 8nimal 9us#andry" 0airyin$ : *isheries is implementin$ the Centrally

Sponsored Scheme o) ;.

5. Preparin$ district ise list o) veterinary practitioners =Government BPrivate> and providin$ the

same to the insurance company and also to concerned Panchayati a #odies.

'. Creatin$ aareness amon$ the $eneral pu#lic as ell as the o))icials hose services may #e

reuired )or implementation o) the scheme?

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(. Carryin$ out )ield inspections and also )acilitatin$ )ield inspections #y Central teams?

D. elease o) )unds to the 0istrict 6))icers in char$e o) the 0epartment o) 8nimal 9us#andry )or 

 payment o) honorarium to the @eterinary Practitioners.

E. e$ular monitorin$ and preparation o) reports )or su#mission to the CentralBState

Governments.

1%. Such other )unctions necessarily reuired )or e))icient implementation o) the scheme.

!he Principal SecretaryBSecretary in&char$e 8nimal 9us#andry o) the State

GovernmentsB0irector o) State 8nimal 9us#andry 0epartment ill ensure availa#ility o)

su))icient in)rastructure in terms o) manpoer and other lo$istic support to the C6B0istrict

level o))icer" needed )or e))ective implementation o) the scheme. =!he e-act name"

desi$nation" address o) C6B0istrict 6))icer in&char$e )or Insurance or ill #e made

availa#le to Central Government and same ill #e prominently displayed on important places

ithin the district and especially in the rural areas o) the district. 8ny chan$e in the name and

desi$nation o) C6 ill also #e properly communicated to all concerned.> *or e))ectiveimplementation and monitorin$ o) the scheme" i) states )eel necessity" a district committee

could #e )ormed suita#ly involvin$ the o))icersBor$aniations havin$ interest in the )ield o)

8nimal 9us#andry. !he 0airy Cooperative Societies" i) interested" could also #e involved and

$iven responsi#ility o) implementin$ the scheme herever possi#le.

(. )istricts in wic te sceme will *e implemented

!he scheme is to #e implemented durin$ 2%%5&%' and 2%%'&%( on pilot #asis in 1%% selected

districts. 0urin$ its pilot sta$e" the scheme ill #e restricted to cross#red and hi$h yieldin$

cattle and #u))aloes only. !he list o) districts selected )or this purpose #ased on the

 population o) )emale crossred and hi$h yieldin$ cattle and o) #u))aloes as per 1(th

livestoc census as the main criterion is $iven in 8nne-ure&I. !he scheme is to #eimplemented in these districts only.

+. Selection of Insurance Companies 

In order to $et the ma-imum #ene)it in terms o) competitive premium rates" easier procedures

o) issue o) policy and settlement o) claims" Chie) -ecutive 6))icer ill #e empoered to

decide upon the Insurance company=s> and the terms and conditions. Fhile selectin$

Insurance Company" #esides premium rates o))ered" their capacity to provide services" terms

and conditions and service e))iciency should also #e taen in to account. !he C6 ill invite

uotations in ritin$ )rom those pu#lic and private $eneral insurance companies havin$ a

)airly ide netor in the state or a considera#le part o) the state. !he C6 should select the

Insurance CompanyBCompanies a)ter ne$otiatin$ ith the insurance companies )or success)ul

and e))icient implementation o) the scheme and populariin$ the scheme amon$st the

livestoc oners. I) any Insurance Company is o))erin$ cover )or any type o) disa#ility in

addition to death o) the insured animal" such o))er could #e considered" hoever" no su#sidy

in the premium )or such additional ris covera$e ill #e provided. !he entire cost o)

 premium on account o) the ris covera$e other than death o) the animal has to #e #orne #y

the #ene)iciaries. 9oever" i) any additional ris covers is o))ered as a paca$e alon$ ith

death cover and the premium rate is not e-ceedin$ the ma-imum limit o) 4.5/ )or annual

 policies and 12/ )or three year policies" such o))er could #e accepted and su#sidy could #e

 provided. 8s mentioned a#ove" the C6 has to ensure that the premium rate a$reed to is

competitive. ,nder no circumstances" the rate o) premium should e-ceed 4.5/ )or annual policies and 12/ )or three year policies.

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entrusted )or insurance ith the or in a district. 9oever" )or the purposes o) encoura$in$

competition and populariin$ the scheme more than one insurance company may #e alloed

to operate in a district" i) other terms and conditions are remainin$ same. 0e)ault in

settlement o) claim or any types o) de)iciency in services on part o) Insurance Companies

could #e #rou$ht to the notice o) the Insurance e$ulatory and 0evelopment 8uthority hich

is a nodal authority in the country in this re$ard.

 . Involvement of eterinary practitioners 

!he active involvement o) the veterinary practitioners at the villa$e level is reuired )or the

success)ul implementation o) the scheme. !hey are to #e associated ith the or o)

identi)ication and e-amination o) the animals to #e covered under the scheme" determination

o) their maret price" ta$$in$ o) the insured animals and )inally issuin$ veterinary certi)icates

as and hen a claim is made. esides" #ein$ in touch ith the )armers and cattle&rearers" they

may also help in promotin$ and populariin$ the scheme. 8s )ar as possi#le" only the

veterinary practitioners orin$ ith the state $overnment may #e involved. Private

veterinary practitioners may #e involved only i) Government veterinary practitioners are not

availa#le. 8 list o) such veterinary practitioners ill #e prepared )or every district #y thedistrict o))icer o) the 0epartment o) 8nimal 9us#andry. !he list o) veterinary practitioners

ill #e made availa#le ith the insurance company selected )or the district as ell as to the

concerned Panchayati a #odies.

. Commencement of Insurance policy cover and ad/ustment of premium su*sidy  

In order to $enerate con)idence amon$ the cattle oners a#out the e))icacy o) the scheme" it

is important that the policy cover should tae e))ect once the #asic )ormalities lie

identi)ication o) animal" its e-amination #y the veterinary practitioner" assessment o) its value

and its ta$$in$ alon$ ith payment o) 5%/ o) the premium to the insurance company or its

a$ent #y the cattle oner. !he selected insurance company ill have to a$ree to this.

9oever" it is possi#le that the insurance company may point out a provision in the Insurance

8ct that insurance cover can tae e))ect only a)ter the hole premium is paid in advance. In

order to tae care o) this pro#lem" there could #e an arran$ement #y hich certain amount is

 paid in advance to the insurance company directly #y the C6. !his amount should not

e-ceed 5%/ o) the premium o) the num#er o) animals e-pected to #e insured in a period o) 3

months. !he insurance company" on its part" should issue instructions to their #ranches that

as and hen 5%/ o) the premium is paid #y the cattle oner" they should issue the policy #y

suita#ly adustin$ the #alance 5%/ )rom this advance. !he insurance company should

 prepare monthly statements o) the policies issued indicatin$ the assessed value o) each

animal and the Government share )or each district duly countersi$ned #y the district o))icer

o) the 8nimal 9us#andry 0epartment and su#mit to the C6 so that" that much amount can #e recouped to the insurance company #y the C6. !ar$et o) $ettin$ the num#er o) animals

insured in a three months period )or payment o) advance to the Insurance Company should #e

on realistic #asis and recoupin$ o) the advance )und should #e on the #asis o) su#seuent

 pro$ress made #y the concerned insurance Company. 8s the scheme in its present )orm ill

not continue #eyond 31st Aarch" 2%%(" the C6 should" as )ar as possi#le" ensure that no

advance is outstandin$ ith the insurance company #eyond that period. In any case" i) any

such amount remains outstandin$" the insurance company should #e ased to pay the same

)orthith in the )irst ee o) 8pril" 2%%(. !his should #e suita#ly incorporated in the

a$reement to #e e-ecuted ith the insurance company.

0. Animals to *e covered under te sceme and selection of *eneficiaries  8ll those )emale cattleB #u))alo yieldin$ at least 15%% litre o) mil per lactation are to #e

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considered hi$h yieldin$ and hence can #e insured under the scheme )or ma-imum o) their

current maret value. 8nimals covered under any other insurance schemeBplan scheme ill

not #e covered under this scheme. ene)it o) su#sidy is to #e restricted to to animals per

 #ene)iciary and is to #e $iven )or one time insurance o) an animal up to a ma-imum period o) 

three years. !he )armers ill have to #e encoura$ed to $o )or a three&year policy hich is

liely to #e more economical and use)ul )or $ettin$ the real #ene)it o) insurance onoccurrence o) natural calamities lie )lood and drou$ht etc. 9oever" i) a livestoc oner

 pre)ers to have an insurance policy )or less than three years period )or valid reasons" #ene)it

o) the su#sidy under the scheme ould #e availa#le to them also" ith the restriction that no

su#sidy ould #e availa#le )or )urther e-tension o) the policy. *ield per)ormance recordin$ o) 

the

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is need o) strict monitorin$ at di))erent sta$es. !he monitorin$ should #e in terms o) )inancial

releases" num#er o) animals insured and type o) insurance. Aonitorin$ at the Central and

State levels is e-tremely important. C6 ill #e reuired to mae special e))orts )or e))ective

monitorin$. Secretary in&char$e 8nimal 9us#andry in State GovernmentB0irector o) state

animal 9us#andry ill tae periodic revie o) the implementation o) the scheme.

!(. 3ayment of onorarium to te veterinary practitioners

!he involvement o) veterinary o))icer in the scheme is )rom #e$innin$ to end. 9is active

interest and support is essential )or success o) the scheme. In vie o) this it is essential to

 provide some incentive to the veterinary practitioners to motivate them to carry out these

activities holeheartedly. It has #een decided to pay an honorarium o) s.5%B& per animal at

the sta$e o) insurin$ the animal and s. 1%%B& per animal at the sta$e o) issuin$ veterinary

certi)icate =includin$ conductin$ post&mortem" i) any> in case o) any insurance claim. Central

Government ill provide the amount needed )or payment o) honorarium to the S.I.8s. !he

C6s should ensure that oards ill pay to @eterinary Practitioners at end o) each uarter

dependin$ on num#er o) animals insured and veterinary certi)icates issued #y them in that

uarter.

!+. 3u*licity

!he scheme is ne and people inclusive o) the concerned o))icials are not much aare o) the

scheme. !here)ore" pu#lic as ell as the machinery involved in this have to #e made aare o) 

the scheme and #ene)its thereo). Pamphlets" posters" all paintin$s" radio tals" !@ clippin$s

etc. ill help in creatin$ aareness amon$ the )armers a#out the #ene)its o) insurin$ their

hi$h yieldin$ animals under the scheme. Pu#licity campai$ns on special occasions lie

animal )airs etc. ill also #e taen up )or ide pu#licity. !he Panchayati a institutions ill

 #e involved in pu#licity in a #i$ ay. !he tas o) disseminatin$ in)ormation on the scheme

and invitin$ )armers to o))er their animals )or identi)ication )or insurance ill #e entrusted to

the Intermediate Panchayats. *or this purpose the C6s are empoered to provide assistance

not e-ceedin$ s.5%%%B& )or each intermediate Panchayat =in #oth cash and in the )orm o)

 pu#licity material>.

!. Commission to Insurance A$ents 

!he active and dedicated involvement o) insurance a$ent is most essential )or e))icient

implementation o) the scheme. !he insurance company should #e persuaded to pay at least

15/ o) the premium amount to the a$ent out o) their premium income. Fhile enterin$ into

contract ith the Insurance Company" this has to #e ensured #y the implementin$ a$ency.

I. கல கபட +ம

இ,+ம 2 -- 5 – 06 #%&ம 2 -- 6 – 07 ./0ல 10 '1 2நத/ட +,ன 341 -- #'+5க6ல "த7 அ0ப8ல "யலட,தப+1. இ,+,ன 34 கப97#%&ம அக ல க:;க;# #டக) அ'%$ன அன:ய "நத'ர,ன0 கபட "?யபட@:1. கப0ல பABயம தக;க7 #ய Cதவ 50 %.#ய,ன D தகEம #,ய அர"5க# &ப%Fம.

ய76;F #ய ன# அக+"#க Gன& ./டகH;F 2 வ5Fக( 'ர'I5கபட@:1. க' தவர அ7,1 #5க6Jம அநதநத # கல அ9வ>,

'Kய5க( Gம "யலட,தப+ட '>@ன:1. "த7 க "யல+07 >,1இ,+ம 11 .ம 2நத/ட +,ல +0J() அ7,1 #5க6Jம

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"யலட,தபடம வத,Jம #%&ம அ7,1 கலக)Eம க'>ம வத,JமவKLட,தபடம.

கல இ:ப9ல இ>ந1 /Mய)க) கப%&'த%கக கப+0ன 7 N9,1அத7 9ரபட,1ம ;க,தடம இ,+ம :பட,தப+ட()1.

1. கல; கப+ட, +,த "யலட,1'த%;க7 '!:க(:

கல 1: தOய F$பக @ர#பP: >)தர,ன ')QO8ல ;@ய5க6;@ன:7. கல ')ப9ன Gம :படம 1M '>#7ம RI #%&ம#%: வ'"8கH;F '4'தரம 'I5Fம வத#கLம 8 C%,C&8ல,தன#ய =க(Hம வ'"8கH;F >ம .தர'கLம C()1.

கல ')ப .தK;Fம 'க8ல # தன# 'க அகKக(9ன%: '/0ய '!:க( 3I வ'K;கபட@ன:1.

2. "யலட,1ம ஸத7க(:

கல ர#KபP, ல')ம #%&ம Bன90,1: #,ய அரOன Eதவ+#7 SதOய ச#ட =># இ7ப>;க +ம (NPCBB)”. # கலஅ9வ>, 'Kய5க( G#க "யலட,'>@ன:1.

# அ#லட,1ம &'75க)7 # கல அ9வ>, 'Kயம (அ)# கல ர#KபP,1:. இ,+,த கல ர#KபP, ல')ம #%&மBன90,1: "யலட,1ம #,ய அரOன Eதவ +#7 SதOய ச#ட #%&ம=># இ7ப>;க +,1ன (NPCBB)” இMந1 கல கபட +,த"யலட,1@:1.

3. :'%&ம 'லJ (அகரம):

இ,+,த :'%&ம அகரம # கல அ9வ>,;FDவனத# '@ (அ) கல ர#KபP 1:8ன இய;F7Kம C()1.

கல ர#KபP 1:8ல C() G,த அகKய க/ட # அரOன'!:க) 9ன%$ 34'>ம Tக) '@;க '/டம.

1. கல ர#KபP, ல')ம #%&ம Bன90,1: 'I5@ய '!:கH;F R%#,ய ய '@;க '/டம.

2. கப+ட &'75க) தநதட;க '/டம.

3. தநதட;கப+ கப+ட &'75க6ன Uபநத,ல கயD, '/டம.

4. #ய தகய கப+ட &'7,%F "J,த'/டம.

5. #'+ 'Kய7 கல 8%Oய)க6ன +0ய தயK,1 அத7V"ய,%Fம கப+ட கம;Fம 'I5க '/டம.

6. 1#;க( #%&ம அகKக6ய +,த %$ய வ!பPM'C>';க'/டம.

7. க) .?' #%க()'/டம #%&ம #,ய FDவன க) .?வ%FமCத''/டம.

8. கல 8%Oய)கH;F 'F# அ6பத%க7 ய #'+ கலர#KபP1: அகKகH;F 'I5க'/டம.

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9. #,ய / # அரசகH;F "#ப9;கபடம க/கTபP அ$;கக) தயK,தல.

10. +,த O:பக "யலட,த த'ய7 இதர "யலடக) "?ய'/டம.

#'+ அரOன கல ர#KபP 1ர8ன தன# "ய &ப9J() அகKஅல1 #'+ கல ர#KபP 1ர8ன இய;F7.

இ,+ம :ம "யலட,த த'ய7 C(க+#பP '", #த') #%&ம த)''"க) த# 'க அகK #'+ அ)வல C() அகK அ'கH;F'I5க'/டம.

கப+ட +,த "யலட,1ம த# 'க அகK (அ) #'+ அ)வல C()அகK8ன ய, தவ, #%&ம க'K அ7,1 #,ய அர"5க,%F தKவ;கபடம.#Jம இ,தக'ல #'+ம #%&ம @ர#5க6ன ;@ய#7 இ5க6லவ)மரபட,தப+0>;Fம. #'+ அகKக(, த'ப+ல கல ர#Kப9ல.'ம க/ட() அகKக(/&'75க( க/ட() #'+ FD;க) அ#,1

கப+ட +,ன "யலடக) க/கT;கம. .'() ல /M '75க6ன KWயம வ@த5க(, க(க

#%&ம ,ய,த X#;Fம :க) Uப9+ட #,ல ரநத இMயம#%&ம O:நத "' அ6;Fம தய அல1 1 கபட Qச',த ,தநதடப. இ:பP அலத .,1கH;F கபட 'I5Fம &'7,%Fன*K# 'I5கபடம. .7ல அ,தகய

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Animals tat can *e covered4 Cos" #u))aloes" #ullocs" camels" sheep" $oats" horses"

 ponies and mules.

aluation 5 sum insured4 Identi)ication and valuation ill #e as per the veterinary

certi)icate and or declaration o) the purchase committee. ar&ta$s ill #e supplied #y the

company.

6enefit limits4 Claims ill #e settled )or the sum insured or maret value prior to illness"

hichever is less.

3remium4 Livestoc Shield o))ers this cover at an a))orda#le premium o) 4/ per annum on

the sum insured.

III. Insurance Scemes for Animal 7us*andry sectors

*olloin$ are some o) the insurance schemes coverin$ maor se$ments in a$riculture and

animal hus#andry hich are o))ered #y the that are e-otic and crossred. 8ll #irds in a )arm

should #e covered. !he sum insured or pea value )or #roilers and layers are s 45 and s (5

respectively. !he Policy shall provide indemnity a$ainst death o) #irds due to accident or

diseases occurrin$ durin$ the period o) insurance su#ect to the e-clusion provisions.

=*or more details7 http7BB.neindia.co.inBrural&poultry.asp>

%. Seep and "oat Insurance

8ll indi$enous" cross#red and e-otic sheep and $oat ill #e covered under this scheme. !he policy shall provide indemnity a$ainst death o) sheep and $oats due to accident includin$

)ire" li$htnin$" )lood" cyclone" )amine" earthuae" landslide" strie" riot or diseases occurrin$

durin$ the period o) insurance. !he maret value o) sheep and $oats varies accordin$ to #reed

to #reed area and to time. !he @eterinarians recommendations is considered the acceptance

o) insurance as ell as )or settlement o) claims depends on to inspection report o) the

veterinary o))icer.

=*or more details7 http7BB.neindia.co.inBrural&sheep.asp>

(. Livestock Insurance Sceme

!he scheme is implemented #y the 0epartment o) 8nimal 9us#andry" 0airyin$ and *isheries"Government o) India. ,nder the scheme" the cross#red and hi$h yieldin$ cattle and #u))aloes

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are insured at their current maret price" hich is assessed ointly #y the #ene)iciary"

authoried veterinary practitioner and the insurance a$ent. !he premium o) the insurance is

su#sidied #y 5%/. !he entire cost o) the su#sidy is #ein$ #orne #y the Central Government.

!he #ene)it o) su#sidy is #ein$ provided to a ma-imum o) 2 animals per #ene)iciary )or a

 policy )or ma-imum o) three years.

8ll those )emale cattleB #u))alo yieldin$ at least 15%% litre o) mil per lactation are considered

as hi$h yieldin$ and hence can #e insured under the scheme )or their current maret value.

8nimals covered under any other insurance schemeBplan scheme ill not #e covered under

this scheme. ene)it o) su#sidy is to #e restricted to to animals per #ene)iciary and is to #e

$iven )or one time insurance o) an animal up to a ma-imum period o) three years. !he Gram

Panchayats ill assist the Insurance Companies in identi)yin$ the #ene)iciaries.

*or more details on the Aaor e-clusions" Insurance covera$e" claim

 procedures" visit http://dahd.nic.in/lsinsurancenew.htm

+. 8amadenu Insurance ScemeSince cattle population in the state is predominantly crossred" these are hi$hly prone to

diseases. 0ue to diseases" the )armers are incurrin$ losses. In order to compensate the loss"

the 0epartment o) 8nimal 9us#andry" Government o) Kerala came up ith an insurance

 pro$ramme ointly ith ,nited India Insurance Company as per G6 =AS>

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#பட #%&ம தக கபட:

கல "ன$த4 அல1 க(தல FDவன அ$வபP 0 கல8னஅய)ம #%&ம #பட இ>;Fம. க1 – F$க) &'7ம 'I5Fம.

ன#க(:

கபட (அ) ? ன7 C() "நத #பP தக8ல =1 F:'க C()த அ'%$னஅ0ப8ல கபட கK;கக( 'I5கபடம.

பAWயம:

4% #[L க+M பAWயம

III. கல ர#KபP,1:க6ல கபட +5க(:

இநய அஸரனஸ கம Gம தந1 வ'"8க( *;கக'I5கபட@ன: வ'"யம #%&ம கல ')பP Fக) C();@ய கபட

+5க(.

1. கல கபட:

இ,+ம C(+ட, '6+ட (அ) கப97 க:' #டக( #%&ம=>#க(, கன&க(/ச#டக( #%&ம \Kய#7 =>1க( .@ய'%: C();@ய1.[O8ன 34 கபட தக வ5@ன "நத #ப U,>;Fம. '>,%க7அ0ப பAWயம \தம கபட தக8ல 4% .Fம. இ,+,ல ]/ கத(H0க( க/ ]/ கல கபடகHம C()1. வ,1க( #%&ம ?க(கரM#க #ரMம R%+ல இ,+,ன ^+ட& @;Fம.

2. க! கபP&:

கப97 #%&ம அயல+ட #%&ம FVசK;Fம க!க) க'>ம U>வK'7 கப+ட,+ம. U> /M8ல C() =ல :'கHம கபட"?யப+0>;க'/டம. இ:QO #%&ம +8டம க!கH;க7 கபடதக (அ) CQ" #பP N. 45 #%&ம N. 75 .Fம. கபட க,ல வ,1க(#%&ம ? கரM#க :'க6ன இ:பP R%+ல இ,+,ல ^+ட& @;Fம.

3. "ம#$ #%&ம '()ட கபட:

அ7,1 C(+ட, கப97 #%&ம அயல+ட "ம#$ #%&ம'()டக) இ,+,ன 34 கபட "?யம. கபட க,ல வ,1;க(

#%&ம ?க( கரM#க #ரMம R%+ல இ,+,ல ^+ட& @;Fம. "ம#$.டக( #%&ம '()டக6ன "நத #பP இ7ம, இம, #%&ம ர,னஅ0ப8ல #$;க/ இ>;Fம. கல அகK8ன "ன$த4 #படஇ>;Fம.

4. கல கப+ட +ம:

கல ர#KபP ல')ம #%&ம Bன'),1: இநய அர"ல இ,+ம"யலட,தபட@ன:1. இ,+,ன 34 கப97ம #%&ம அக ல க:;Fம ச#%&ம =># #டக) அ'%$ன /Mய), கல அகK #%&ம கப+டக'க( இMந1 F$,த "நத 'ரப0 கபட "?யபட@:1.

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இல 50% கபட பAWயம #ய#க 'I5கபட@ன:1. #ய,ன D"L #,ய அர"ல R%&க()பட@ன:1. ய76;F #ய ன# அக+"#கGன& ./டகH;F 2 வ5Fக( 'ர 'I5கபட@ன:1.

15 -- [+ க:;Fம ச #%&ம =>#க) இ,+,ல அ'%$ன "நத

#ப9%@M5க கபட "?யம. '& கபட +,ல L "?1()வ5Fக) இ,+,ல கபட "?ய இய1. இன_ரனஸ &'75கH;Fய76க) @ர# V"ய,1க( அய)ம க+'/டம.

5. க#த* கப+ட +ம:

# கல தக >மJம கப97 =னதல இ' அவர'க? த;FதJ;F .)@ன:7. இதன கரM#க வ'"8க( இIபQ "ந;@ன:7.இத7 ^ட"?Eம 'க8ல கர) அரOன கல ர#KபP,1: E7+ இநயஇன_ரனஸ கமEம இMந1 அர"7 =/: 123/AD த 17/6/1998 -8ன 34` கபட +,த அ#லட, C()1. "Jக க+M கபட பAWய,ன வ@தம6.6% .Fம. இ,+ம #,ன C() அ7,1 @ர# V"ய,1க(, கர+Oக(

#%&ம #கர+Oக6ல "யலட,தபட@ன:1.