sangakural july 2015

7/23/2019 Sangakural July 2015

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2/32


3/32

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(BMS, INTUC, AITUC, HMS, CITU, AIUTUC, TUCC,

AICCTU, UTUC, SEWA, LPF)

ILO


4/32

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5/32

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6/32

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7/32

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LIC

Bank of India, Canara Bank, Bank of Maharashtra, Central Bank of India, Uco Bank and Punjab

& Sind Bank LIC

United


9/32

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mofpd; kPJ mtspd;

tho;f;if KiwNah> nfhs;iffNsh

ehafdpd; ghJfhg;gpy;

itg;gJ Kjy; Vkhw;wk;. NghHf;

FzKs;s ve;jnthU ngz;Zk;>

,g;gb jd; yl;rpaj;ij>

,d;ndhUtid ek;gp xg;gilg;ghuh?

xU rpwe;j ghj;jpuj;ij cUthf;fp> ek;

fz; Kd;Nd gyte;jg;gLj;jp>

mopf;fpwJ fij.

,e;jf; fijapy; urpfHfspd;

VNfhgpj;j tuNtw;igg; ngw;w ehafd;>

,sturDk;> kd;dDkhd ghFgypjhd;.

,sk; tajpypUe;Nj ghFgypia kf;fs;

kj;jpapy; Gfo; ngw;w xUtdhf

fhl;Lfpd;wdH. mjpfhuj;ij vg;gb -

ahtJ mila Ntz;Lk; vd;w ntwp

gy;thHj; Njtdplk; ntwpahfntspg;gLfpwJ. me;j Ntl;if

ghFgypf;Fk; ,Uf;fpwJ. jd;

Ntl;ifia vg;gb vl;LtJ vDk;NghJ

ghy;thH xU je;jpuk; nra;fpwhH.

ghFgypNah jpwikahd murpay;

nra;fpwhH.

m bi kia ' kh k h " v d ;W

miog;gJ njhlq;fp> vJ kuzk; vd;W

tpsf;fp tPuHfis jahHg;gLj;JtJtiu ghFgypaplk; murpay;

gspr;rpLfpwJ.

fijf;Fj; Njitahdij

vOJtJjhd; trdfHj;jhtpd; Ntiy

vd;whYk;> er;Rf;fUj;Jf;fs; ,y;yhky;

jtpHg;gJk;> ey;y rpe;jidfisg;

GFj;JtJk; trdfHj;jhthy; nra;aKbAk;. nkd;nghUis itj;J

vOJtjhy; kl;LNk mwptpay;

rpe;jidiag; ngw;Wtpl KbahJjhNd.

Nghfpw Nghf;fpy; 'gfilf;Fg;

gpwe;jtdh?' vd;nwhU trdk;

tUfpwJ. gl;bay; rhjpapdiu jho;j;Jk;

,j;jifa trdq;fspd; Nehf;fk;jhd;

,af;Fdhpd; ,jag;G+Htkhdjh?

nghJthf urpfHfs; 'uk;ahfpU\;zd; ed;whf ebj;Js;shH">

'rj;auh[; mUik "> 'fpuhgpf;];

kpul;ly"> 'rk;gsk;> nryT" vd;w

hpjpapy; NgRfpd;wdH. xU glj;Jf;Fk;>

7

eyf;fhg;gPL ghJfhg;G vd;W $wg;gl;lhYk; va;l;];> Foe;ijapd;ik> kugZFiwghLfs;> Gifapiyg; gad;ghl;bdhy; tUk; Neha;fs;> Kw;wpa epiy Gw;WNeha; Mfpatw;wpw;Ff; fhg;gPL mspf;fg;gLtjpy;iy.


10/32

urpfDf;Fkhd njhlHG me;jg; glj;jpd;

%yk; czHj;jg;gLk; fUj;jpy;jhd;

mikfpwJ. xU rpwe;j gilg;G>

vg;NghJk; r%fj;ij Nkk;gLj;Jk;

gzpiaNa nra;Ak;.ghFgyp jpiug;glk; nrhy;Yk; xU

ey;y fUj;J Ml;rp elj;JgtDf;F

ntw;wp kl;Lk; Nehf;fkhf ,Uf;ff;

$lhJ kf;fspd; ey; tho;f;ifAk;

ftdj;jpy; ,Uf;f Ntz;Lk; vd;gjhFk;.

kf;fspd; ey; tho;T> Vw;w

jho;TfSf;F epahak; fw;gpf;fhj xU

r%fj;jpy; ,Ue;Jjhd; gpwf;f KbAk;

vd;gijr; nrhy;Yk; njspT fij

Mrphpahplk; ,y;iy vd;W

Njhd;WfpwJ. njspT ,y;iyah> kdk;,y;iyah my;yJ mg;gbr; nrhd;dhy;

jahhpg;ghsH fpilf;f khl;lhuh

vd;gijnay;yhk; cq;fs;

rpe;jidf;Nf tpl;L tpLfpNwhk;!

,Urf;fu thfdj;ijj; jpUbajpUlDila Xl;LeH chpkj;ijf;nfhz;L te;jhy;jhd; ,og;gPLtoq;fg;gLk; vd;W g[h[; miyad;];nghJf;fhg;gPl;L epWtdk; chpkj;ijj;js;Sgb nra;Js;sJ. ngq;f hpy;,Urf;fu thfdj;ijj; jpUbr; nrd;wjpUld; 62 taJg; ghy;fhuhpd;kPJNkhjpajhy; tz;bia tpl;Ltpl;L

Xbtpl;lhd;. ghy;fhuhpd; fhy; Kwpe;J>rpfpr;irf;Fg;gpd; fhypd; cauk;Fiwe;J tpl;lJ. tz;bapd;fhg;gPl;bypUe;J mtUf;F &.1>35>685,og;gPL toq;FkhW Nkhl;lhH tpgj;Jj;jPHg;ghak; cj;jutpl;lJ. tz;biaXl;batUf;F Xl;LeH chpkk;

,Ue;jhy;jhd; ,og;gPL toq;f KbAk;>mjdhy; Xl;batiu (jpUld;!)tof;fpy; NrHj;J mtuJ Xl;LeHchpkj;ijf; nfhz;L tuhtpl;lhy;,og;gPL fpilahJ vd;W thjpl;lg[h[; miyad;]; nghJf;fhg;gPl;LepWtdj;ijf; fz;bj;J> cldbahf,og;gPL toq;FkhW cj;jutpl;lcaHePjp kd;wk;> g[h[; miyad;];

epWtdk; me;jj; jpUldplkpUe;J,og;gPl;Lj; njhifia t#ypj;Jf;nfhs;sj; jilNaJk; ,y;iy vd;W$wptpl;lJ!

vg;Gbnay;yhk; gpl;lg;Nghl;L

Vkhj;jg; ghf;Fwha;q;f...!

q

jpUlDf;F iybrd;!; nfl;l g#h#; miyad;;!;!

fle;j ,jopy; ntspahd %o;fhj \pg;Ng fl;Liuapy; vy;ma;rpapd;nray;glhj nrhj;J ( ) tpfpjk; 34 vd;W ntspahfpAs;sJ. ,J 0.34 vd;W,Uf;f Ntz;Lk;.

Xa;T ngw;wtHfs; gw;wpa nra;jpapy; =uq;fk; fpisj; NjhoH md;dG+uzpcjtpahsH vd;W ntspahfpAs;sJ. caHepiy cjtpahsH vd;W ,Uf;fNtz;Lk;. jtWfSf;F tUe;JfpNwhk;.

NPA % %

jtWf;F tUe;Jfpnwhk;

8

MAs; fhg;gPl;L epWtdq;fspd; rl;lg;G+Ht $l;likg;ghd MAs; fhg;gPl;Lf;fTd;rpypd; jiytuhf apd; jiytH uha; NjHe;njf;fg;gl;Ls;shH. ,tH 3Mz;LfSf;F ,g;gjtpia tfpg;ghH.

LIC S.K.

ed;wp:http://maattru.com/


11/32

6 326/3

ghprPyidf;FG :

fpHf;F g";rhgpw;F TLjy;gpujpepjpj;Jtk; :

,j;njhFg;gpd; gFjp ,uz;by; 1947

Mf];L 14 Kjy; 1948 gpg;uthp 25 tiu

tiuT murpay; rhrdj;ij Mo;e;J

ghprPypg;gjw;fhd FO Nkw;nfhz;l

eltbf;iffs; ,lk; ngw;Ws;sJ.

,g;ghprPyidf; FOtpy; jpUthsh;fs;

1. my;yhb fpU\;zrhkp ma;ah;

2. vd;. Nfhghyrhkp Iaq;fhh;>

3. lhf;lh; gp.Mh;. mk;Ngj;fh;>4. Nf.vk;.Kd;\p 5. ra;apj; KfkJ

rhJy;yh 6. gp.vy;. kpl;lh; 7. b.gp.

fapj;jhd; MfpNahh; ,lk;

ngw;wpUe;jdh;.

murpay; eph;za rigapd;

gzpfs; FOtpd; mwpf;ifia

gk;gha; : nghJ gFjpapd;

cWg;gpduhf njhpT nra;ag;

gl;bUe;j mk;Ngj;fh;mth;fs; mwpKfg;gLj;jp

Ngrpdhh;.

murpay; eph;za

rig> rl;lkd;wkhfTk;

nray;gl Ntz;ba epiy

,Ue;jhy; ,tw;iw

jdpj;jdpNa> jdpj;jdpahd

Neuq;fspy; $l;b

t pt hj pf ;f K bt hd Jl d;,uz;bw;FKs;s jdpj;jdp mjpfhu

tiuKiw njspthf;fg;gl;lJ.

1946 brk;gh; 9k; Njjp Jtq;fpa

murpay; rhrdj;ij cUthf;Fk;

gzpia njhlh;e;J Kbf;fTk;> Gjpa

murpay; rhrdj;jpy; fPo; Gjpa

rl;lkd;wk; mikAk; tiu> nlhkpdpad;

rl;lkd;wkhfr; nray;gLk; vd;Wk;

KbthdJ.

,jw;fhf mk;Ngj;fh; cs;spl;l 5

Ngh; FO mikf;fg;gl;lJ.murpay; eph;za rig mtw;wpd; kPJ

lhf;lh; mk;Ngj;fh; tpsf;f fUj;Jf;

fis $wpa gpd; mjw;Nfw;g

jpUj;jq;fs; Vw;fg;gl;ld

my;yJ epuhfhpf;fg;gl;ld.

,q;Nf ehk; Fwpg;ghf

mwpe;J nfhs;s Ntz;baJ

xt;nthU rpf;fyhd>

Fog;gkhd> tpthjj;jpw;Fhpa

jUzq;fspYk; mk;Ngj;fhpd;

tpthjk;> tpil jUtJkhfTk;

- jPh;T jUtJkhfTk;

,Ue;jJ vd;gJjhd;.

kf;fspd; eyid

cj;Njrpj;J vg;NghJ

Ntz;LkhdhYk;

rl;lq;fis jpUj;jpf;nfhs;tjw;fhd ,yFj;

;

9


12/32

jd;ik ,Uf;f Ntz;Lk; vd xt;nthU

jUzj;jpYk; mk;Ngj;fh; typAWj;jp>

mt;thNw ,lk; ngwr; nra;jhh;.

Njitaw;w tpthjq;fSf;F

Kw;Wg;Gs;sp itg;gjpYk;> Njitaw;wfhy tpuaj;ij jtph;g;gjpYk;

mk;Ngj;fh; ftdj;Jld; nray;gl;lhh;.

tiuTf;FO 1947 Mf];l; 30-y;

Kjyhtjhf $b lhf;lh; mk;Ngj;fiu

jdJ jiytuhf Njh;e;njLj;jJ. 1947

mf;Nlhgh; 27ypUe;J FO ehs;NjhWk;

$b murpay; rl;l MNyhrfhpd;mYtyfk; jahhpj;j tiuT thrfq; -

fis tpthjpj;jJ. jpUj;jp mikf;fTk;

nra;jJ. 1948 gpg;uthp 13 tiu 44

ehl;fs; FO $baJ. ,jpy; mk;Ngj;fNu

vy;yh eltbf;iffSf;Fk;

topfhl;bahf ,Ue;jhh;. ,Wjpg;gLj;jg;

gl;l Gjpa tiuT murpay; rhrdk; 1948

gpg;uthp 21y; murpay; eph;za rig

jiytUf;F mDg;gp itf;fg;gl;lJ.F O n j h l h ; e ; J n r a y ; g l ; L >

mt;tg;NghJ jpUj;jq;fis ghprPyid

nra;jJ. tiuT murpay; rhrdk;

kf;fs; Kd;dpiyapy; 8 khjq;fs;

,Ue;jJ. gpd;dh; tpthjj;jpw;fhf

murpay; eph;za rigaplk; 1948 etk;gh;

4y; te;jJ.

,j;njhFg;gpd; gFjp %d;W 1948

etk;gh; 4 Kjy;> etk;gh; 9 tiuahdmurpay; eph;za rig gzpfis

Fwpg;gpLfpwJ.

GJ by;ypapy; murpay; rhrd

kz;lgj;jpy; 1948 etk;gh; 4 tpahod;

md;W murpay; eph;za rig $bw;W.

rk;gpujhaq;fs; Kbe;j gpd;>

jiyth; lhf;lh; uhN[e;jpu gpurhj;

ehl;bd; je;ijf;F mQ;ryp nrYj;jplNfl;Lf; nfhz;lhh;. mtuJ ciuapy;>

'ekJ capuw;w rijf;Fk; vYk;G -

f Sf;Fk ; cap&l ;b at h Nrhh;T>

Vkhw;wk; vd;Dk; ,Uspy; ,Ue;J

ek;gpf;if kw;Wk; rhjid vd;w

ntspr;rj;Jf;F> Qhapw;nwhspf;F

ek;ik ,l;Lr; nrd;wth;;;;;@ mbikj;jis

apypUe;J ek;ik Rje;jpuj;jpw;F top

elj;jpr; nrd;wth;" vd;W kfhj;khfhe;jpia th;zpj;jhh;.

cWg;gpdh;fs; nksdk; mD\;bj;j

gpd; mLj;J KfkJ myp [pd;dh> b.gp.

fapj;jhd;> b. v];. FUq; MfpNahh;

kiwTf;Fk; mQ;ryp nrYj;jg;gl;lJ.

nrd;idia Nrh;e;j jpUkjp. [p.

Jh;f;fh gha; Kd;nkhope;j jPh;khdk;

tpthjj;jpw;F vLj;Jf; nfhs;sg;gl;lJ.jpUj;jk; Vw;fg;gl;lJ.

epfo;r;rp epuy; Kbthd gpd;>

gpw;gfy; $l;lj;jpy; jkJ jPh;khdj;ij

Kd;itf;Fk;gb lhf;lh; mk;Ngj;fiu>

jiyth; mioj;jhh;.

murpay; eph ;za rigapd;

ghprPyidf;fhf tiuT murpay;

rhrdj;ij mk;Ngj;fh; mwpKfg; -

gLj;jpdhh;. ,jd; kPJ RUf;fkhf

tpthjk; eilngw;wJ. ,J murpay;

rhrdj;jpy; Kjy; thrpg;G vd;wiof;fg;

gLfpwJ. ,uz;lhtJ thrpg;G 1948

jiytuhf...

murpay; rhrd thrpg;g[fs; :

;;

mwpKfk;

10

me;epa KjyPl;L tuk;ghy;jhd; fhg;gPl;Lj; Jiw tsutpy;iy vd;W Nkhb mijcaHj;j mtrur; rl;lk; nfhz;L te;jhYk;> uhay; Re;juk; nghJf;fhg;gPl;L epWtdk;&.450 Nfhbf;F me;epag; gq;Fjhuhpd; gq;Ffis thq;fpAs;sJ.


13/32

etk;gh; 15y; Jtq;fpaJ.

,uz;lhtJ thrpg;gpy; murpay;

rhrdk; gphpT> gphpthf tpthjpf;fg;

gl;lJ. 1949 mf;Nlhgh; 17y; tpthjk;

KbT ngw;wJ.

%d;whtJ thrpg;Gf;fhf 1949-y;

etk;gh; 14y; murpay; eph;za rig $b.

tpthjj;ij etk;gh; 26y; g+h;j;jp

nra;jJ. mg;nghOJ murpay; rhrdk;

epiwNtw;wg;gl;ljhf gpufldg;gLj;jg; -

gl;lJ. mijaLj;J mitaj;jhh;

mjpy; ifnahg;gkpl;lhh;.

tiuT murpay; rhrdk; ,e;E}y;njhFg;gpd; gpd; Nrh;f;ifahf gf;fk; 135

Kjy; 461 tiu ,lk; ngw;Ws;sJ.

,ij Neubahfg; gbg;gjd; %yk;

,e;jpa murpay; rhrdj;jpy; gy;NtW

tpjpfisAk; mit gw;wpa

tpthjj;ijAk; thrfh;fs; njspthf

Ghpe;J nfhs;s KbAk;.

mk;Ngj;fh; jdJ mwpKf ciuapy;

xd;wpa mjpfhuf;FO> xd;wpa murpay;rhrdf;FO> khfhz murpay;

rhrdf;FO kw;Wk; mbg;gil

chpikfs;> rpWghd;ikapdh;>

goq;Fbapdh; gpuhe;jpa epiyFwpj;j

MNyhridf;FO Nghd;w gy;NtW

FOf;fsJ mwpf;iffspd;

mbg;gilapy; gzp Nkw;nfhs;sg;

gl;ljhf $wpdhh;. rpy tp\aq;fspy;

1935k; Mz;L ,e;jpa murhq;f rl;ltpjpfs;; gpd;gw;wg;gl;lJ.

tiuT murpay; rhrdk; Xh; rf;jp

kpf;f Mtzk;. 315 tpjpfSk; 8

ml;ltizfSk; cs;sJ. ve;j ehl;L

murpay; rhrdKk; ,g;gb nghpjhf

,y;iy.... ,ij KOtJk; gbf;fhjth; -

fshy;; ,jd; rpwg;gk;rq;fis mwpe;J

nfhs;s rhj;jpakpy;iy vd;W

mk;Ngj;fh; Fwpg;gpLfpd;whh;.

ehlhSkd;wk; rhh;e;j Ml;rp Kiw

ek;KilaJ> mnkhpf;f Kiw mg;gb

my;y vd njspTg;gLj;Jfpwhh;

mk;Ngj;fh;. Ml;rpj; Jiwapd; epue;juj;

jd;ikia tpl> mjd; nghWg;Gf;Nf

ekJ murpay; rhrdk; Kf;fpaj;Jtk;

jUfpwJ. ekJ Kiwapy; nghWg;Gfs;

md;whlk; kjpg;gPL nra;ag;gLtJ

rpwg;ghdjhFk;. mnkhpf;fhtpy; ,uz;LMz;LfSf;F xU KiwAk;> Njh;jypd;

NghJ kl;LNk kjpg;gPL nra;ag;gLfpwJ.

ek;Kila $l;lhl;rp murpay;

rhrdk; kj;jpa Ml;rp mikg;G

KiwAld; Jiz Ra Ml;rp mikg;G

KiwAk; ,ize;Js;sJ.

xt;nthd;Wk; mjw;F xJf;fg;gl;Ls;s

f sj;j p y ; r h ;t R je ;j p uj ;Jl d ;

nray;gLtJ. mjhtJ $l;lhl;rp

vd;gJ ,ul;il Ml;rp Kiw vd;fpwhh;...

mnkhpf;f mjpgiu Nghy> ,q;Nf

FbauRj; jiytUf;F mjpfhuk;

fpilahJ. ehlhSkd;w mjpfhuj;jpw;F

mth; fl;Lg;gl;lth; vd;fpwhh;.

$l;lhl;rp Kiw mnkhpf;fhtpw;F

xg;ghdJ vdpDk; ek;KilaJ

NkyhdJ. ,q;Nf ,e;jpah KOJk; xNuFbkfd; chpik mq;Nf kj;jpapy;

xd;Wk;> khfhzj;Jf;F xd;Wk;

cs;sjhy; Fog;gk; ,Ue;jij

Fwpg;gpLfpwhh; mk;Ngj;fh; mnkhpf;fhtpy;

11

&.50>000f;Fl;gl;l thfdf; fhg;gPl;L chpkq;fisAk;> &.1 yl;rj;Jf;Fl;gl;l nrhj;Jf;fhg;gPl;L chpkq;fisAk; kjpg;gPl;lhsH mwpf;ifapd;wpNa toq;f mDkjpg;gJFwpj;J ghprPypj;J tUfpwJ.IRDA


14/32

me;je;j khfhzq;fs; jq;fs;

Fbkf;fSf;F rpwg;G chpikfs;

$Ljyhf toq;Ffpd;wd. (fy;tp>

Ntiytha;g;G ,ju) mNj Nghy

fl;lzq;fSk; thpfSk; khWgl;lit.gpw khepyj;jth;f;F rpy chpikfs;

mq;Nf kWf;fg;gLtjhy; NtWghLfs;;

vOtJz;L.

,q;NfAs;sJ xNu FbAhpikAw;w

,ul;il Ml;rp Kiw. mnkhpf;fhtpy;

xt;nthU khepyj;Jf;Fk; jdpj;jdp

murpay; rhrdk; cz;L. ,q;Nf mg;gb

,y;yhjJ $l;lurpd; typikahFk;

vd;fpwhh; mk;Ngj;fh;. ,g;gb gyRthurpakhd tpguq;fis mwpa

thrfh;fs; ,j;njhFg;ig tphpthf

gbj;J cs;thq;FtJ gaDs;sjhf

,Uf;Fk;.

MSV -

MGR

R.unk\;/ kiyf;Nfhl;il fpis

12

Jtq;fg;gl;L khjq;fNs MfpAs;s epiyapy;> gpujkH fhg;gPl;Lj;jpl;lq;fspypUe;J 300f;Fk; mjpfkhd chpkk; NfhUk; kDf;fs; te;Js;sd.tpgj;Jf;fhg;gPl;by; 76> MAs; fhg;gPl;by; 288

2

(PMSBY

PMJJBY )


15/32

fhe;jpathjpAk;> kJtpyf;F

MHtyUkhd rrpngUkhs; mtHfs;>

fd;dpahFkhp khtl;lj;jpy;

khHj;jhz;lk; mUNf cz;zhkiy

fil gFjpapy; cs;s lh];khf;

filia mfw;wf; Nfhhp nry;Nghd;

NfhGuj;jpd; kPJ Vwp epd;W 4 kzp

Neuj;Jf;Fk; Nkyhfg; Nghuhl;lk;

elj;jpa NghJ cly;epiy

ghjpf;fg;gl;L kuzkile;jhH. G+uz

kJtpyf;F Nfhhpf;ifia Kd;itj;JkJ ,y;yhj jkpofk; cUthtjw;fhd

Nghuhl;lq;fisAk;> ,af;fq;fisAk;

rrp ngUkhs; mtHfs; njhlHr;rpahf

elj;jp te;jhH. Fwpg;ghf 2013y;

nrd;idapy; fhytiuaw;w gl;bdp

Nghuhl;lj;ij elj;jpdhH. gy;NtW

re;jHg;gq;fspy; ifjhd gpd;>rpiwf;Fs;Sk; cz;zh Nehd;igj;

njhlHe;jhH.

fd;dpahFkhp khtl;lk;

cz;zhkiyf;fil Ng&uhl;rpapy;

lh];khf; fil cs;sJ. mjd; mUNf

gs;sp> fy;Y}hp> Myaq;fs;

mike;jpUg;gjhy;> lh];khf; filia

mfw;wf; Nfhhp mg;gFjp kf;fs;

khtl;l epHthfj;jplk; gyKiw kDnfhLj;jdH. ,Ue;Jk; fil

mfw;wg;gltpy;iy. ,ijaLj;J

filia mfw;wf; Nfhhp caH ePjpkd;w

kJiu fpisapy; tof;F njhlug; -

gl;lJ. tof;if tprhhpj;j

caH ePjpkd;w kJiu

fpis> cz;zhkiyf;

fil lh];khf; filia

mfw;w 2014 gpg;uthp khjk;cj;jutpl;lJ. ePjpkd;wk;

cj;jutpl;l gpd;dUk; ,e;j

fil njhlHe;J ,aq;fp

te;jJ. fle;j khjk;

cz;zhkiyf;fil

re;jpg;gpy; 2 ehs;

cz;zhtpuj Nghuhl;lk;

eilngw;wJ. mjpYk; rrp ngUkhs;

fye;J nfhz;lhH.n`y;nkl; mzpa caHePjp

kd;wj; jPHg;G vd;W Fjpf;fpw

jkpof muR> kJf;filia %Lk;

cj;juit kjpf;ftpy;iy vd;gjpypUe;J>

13

PMSBY PMJJBYtpgj;Jf;fhg;gPl;by; 27 Nfl;Ghpkq;fSk;> MAs; fhg;gPl;by; 100f;Fk;mjpfkhd Nfl;Ghpkq;fSk; Vw;nfdNt toq;fg;gl;bUg;gjhf epjpaikr;rfk;ntspapl;Ls;s Gs;sp tpguq;fs; $Wfpd;wd.


16/32

ePjpkd;wj;jpw;F ve;j khpahijiAk;

mspf;fj; jahuhf ,y;iy> jq;fSf;Fj;

Njitahdtw;iw kl;Lk; ePjp kd;w

cj;juT vd;W eilKiwg; gLj;JfpwJ

vd;W Ghpe;J nfhs;syhk;. NkYk;>Nghuhl;lf; fsj;jpy; caphpoe;j

rrpngUkhspd; kuzj;ij jw;nfhiy

vd;W gjpT nra;j pUg;gjpypUe;J

jkpofj;jpy; vt;tsT Nftykhd muR

eilngWfpwJ vd;gijAk; Ghpe;J

nfhs;s KbfpwJ. rrpngUkhspd;

kuzj;ijj; njhlHe;J kJtpyf;Ff;

Nfhhp Vuhskhd Nghuhl;lq;fs;

e i ln gw ;W f; n fh z ;b U e; jh Y k; >

mtw;iw kjpj;J gjpy;$wf;$l jkpof

Kjy;tH jahuhf ,y;iy.

jdJ tho;ehs; KOtijAk; ,e;j

xw;iwf; Nfhhpf;ifia ikag;gLj;jpaNghuhl;lq;fs; #o;e;jjhfNt

mikj;Jf; nfhz;lhH. rrp ngUkhs;

mtHfspd; kiwT nghJf; fhg;gPl;Lf; fTd;rpypy; mjw;Fg; gpujpepjpj;Jtk;ju kWj;Jtpl;lJ.

%

IRDA


17/32

lh];khf;Ff;F vjpuhd nfhe;jspg;Gfs;

tPjpfs; tiu te;J epw;fpd;wd.lh];khf;if %bdhy; Mz;Lf;F 30

Mapuk; Nfhb tUtha; Ngha;tpLk; vd

gQ;rg;ghl;L ghLfpwhu;fs;. lh];khf;if

%bdhy; epjpapy;yhky; jkpofk;

js;shLkh? epjpg;gw;whf;Fiwiag;

Nghf;f epiwa tp\aq;fs;

,Uf;fpd;wd. Mdhy;> muRf;Fj;jhd;

kdk; ,y;iy. gw;whf;Fiwia vg;gb

rkhspf;fyhk;? Mu;tyu;fs; Nahrid -fis nrhy;fpwhu;fs;. muR

nray;gLj;Jkh vdg; ghu;g;Nghk;.

Mu;tyu;fs;> kJtpyf;F Mjuthsu;fs;

nrhd;d Nahridfs; ,q;Nf mzp

tFf;fpd;wd...

,aw;if tsk; kw;w

khepyq;fspy; G+kpf;Fmbapy; Gije;J

fplf;fpwJ. jkpofj;jpNyh

mJ G+kpf;F NkNyNa

fpuhidl; ghiwahfTk;

fdpk kzyhfTk; Mw;W

k zy hf Tk ; F tp e ;J

fplf;fpwJ. Mdhy;> ,e;j

tsq;fs; %yk; muRf;Ff;

fpilf;f Ntz;ba tUtha; jdpahu;tha;fSf;F Ngha;f; nfhz;bUf;

fpd;wd. rl;lj;Jf;Fg; Gwk;ghf ,aw;if

tsq;fs; nfhs;is Nghfpd;wd.

kJiuapy; %d;W Cu;fspy; kl;Lk;

fpuhidl; nfhs;isNghd njhif

&.16>338 Nfhb vdr; nrhy;fpwhu; rfhak;.mtUila tprhuiz ,g;NghJ

njhlu;e;J nfhz;bUf;fpwJ. jhJ

kzy; nfhs;is njhlu;ghf ffd;jPg;

rpq; Ngbapd; tprhuiz mwpf;if 2013

nrg;lk;gu; 17k; Njjp n[ayypjhtplk;

mspf;fg;gl;Lk; Vd; ntsptutpy;iy

vd;gJ ku;kkhf ,Uf;fpwJ.

fhu;ndl;> ,y;Ykidl; MfpaitxU ld; &.5>000. rpu;fhd; xU ld;

&.42>000. &ily; xU ld; &.43>000. ,J

muRf;Fr; nry;Yk; tUkhdk;jhd;.

ruhrupahf xU ld;

jhJkzy; tpiy &.10>000

kl ;LNk. M dhy ;>

cz;ikapy; re;ij tpiy>

ruhrupahf xU ld;Df;F

xU yl;rk; &gha;.flw;fiuapy; vLf;fg;gLk;

j hJ kz yp y; t pw ;F k;

tpiyapy; 3 rjtpfpjk;

kl;LNk muRf;Ff;

fpilf;fpwJ. jhJ kzy;

Fthupapd; %yk; jpdKk;

Rkhu; 2>500 yhup NyhLfs;

%yk; Rkhu; 10>000 ld;

jhJ kzy; vLf;fg;gLfpwJ. re;ijtpiyia xU ld;Df;F kpff;Fiwthf

50>000 tpiy epu;zapj;jhy;$l

$Ljyhf xU ld;Df;F 40>000

fpilf;fpwJ. jpdKk; Fiwe;jgl;rk;

jpUk;gpa gf;fk;vy;yhk; ts';fs;

jhJkzy;

!

15

fhg;gPl;Lj; jufH epWtdq;fspy; me;epa KjyPl;L tuk;G Fwpj;Jr; rl;lj;jpy; Fwpg;G,y;yhjjhy; 100 me;epa KjyPl;il mDkjpf;f Ntz;Lk; vd;W Ntz;LNfhisme;epa KjyPLfs; Nkk;ghl;Lj;Jiw epuhfhpj;Jtpl;lJ.

%


18/32

40 Nfhb &gha; tPjk; Mz;LNjhWk;14>560 Nfhb &gha; jpul;l KbAk;.jhJkzy; gprpd]; jdpahUf;Fj;jhd;jhiu thu;f;fg;gl;bUf;fpwJ. me;j

epWtdq;fs; 30>000 Nfhbf;F Nky;Mz;LNjhWk; tUtha; fpilg;gjhfkjpg;gpl;bUf;fpd;wd. ,t;tsTfud;]pfs; GuSk; njhopiy muNrnra;jhy; jhJkzy; nfhs;isNghtij jLg;gNjhL> muRf;FtUthAk; fpilf;Fk;.Ntiytha;g;igAk; cUthf;f KbAk;.

xU yhup NyhL kzypd; muRtpiy (3 A+dpl;Lf;F) 945 &gha;.Nyhbq; md;Nyhbq; xU yhupf;F 1>000&gha;. 100 fpNyh kPl;lu; J}uj;Jf;Fyhup thlif mjpfgl;rk; 5>000.nkhj;jk; 7>000 &gha;. mjpfgl;rkhfitj;Jf;nfhz;lhy; xU yhup NyhLkzypd; tpiy 8>000 kl;LNk. Mdhy;>15>000 tiu tpw;fg;gLfpwJ. rpy

khtl;lq;fspy; mijAk; jhz;LfpwJ.kzy; tpw;gidia muNr njhlq;fpa2003 mf;Nlhgu; Kjy; 2010 khu;r;tiuapy; muRf;Ff; fpilj;j nkhj;jkzy; tpw;gid tUtha; vt;tsTnjupAkh? ntWk; 840.37 Nfhbjhd;.2009-10k; Mz;by; 42.49 Nfhb kl;LNktUtha; fpilj;jJ. kzy; FthupfismuR Vw;wjpy; njhlq;fp> ,d;W

tiuapyhd 11 Mz;Lfspy; kzy;nfhs;isahy; muRf;F Vw;gl;ltUtha; ,og;G kl;Lk; &.2 yl;rk;Nfhbf;Fk; mjpfk;. ,ij kl;Lk; muRjLj;jpUe;jhy; jkpof murpd; 2 yl;rk;

Nfhb flid milj;jpUf;f KbAk;.

kzy; nfhs;isapy; kl;Lk;jkpofj;jpy; Rkhu; 33>000 Nfhb &gha;Mz;LNjhWk; muR mjpfhupfs;> kzy;kh/gpahf;fSf;Ff; nfhs;is Ngha;f;nfhz;bUf;fpwJ. xU NyhLf;Fruhrupahf 10>000 tiuapy; $Ljyhff;fpilf;fpwJ. mijtpl FiwthfNtfzf;fpl;lhNy yhgk; rk;ghjpf;fKbAk;. jpdKk; vLf;fg;gLk; 90>000

yhup NyhLfSf;F fzf;Fg; ghu;j;jhy;>xU yhup NyhLf;F Rkhu; 4>000$Ljyhff; fpilf;fpwJ. ,g;gb jpdKk;

36 Nfhb &gha; tPjk; Mz;Lf;F&.13>100 Nfhb muRf;Ff; fpilf;Fk;.

50 Mz;LfSf;Fk; Nkyhfj;jkpofj;jpy; mizfs;> ePu;epiyfs;Nghd;wit murhy; J}u;thug;glhky;,Uf;fpd;wd. 39>202 Vupfs;> fz;kha;fs;>Fsq;fs;> 5>000 Nfhapy; Fsq;fs;> 33

MWfspy; 100f;Fk; mjpfkhdmizfSk; jLg;gizfSk;,Uf;fpd;wd. ,ijr; rupg;gLj;jpdhy;kzy;> tz;ly; kz; Nghd;wit %yk;muRf;F Mz;Lf;F 10>000 Nfhbtiuapy; fud;]p fpilg;gNjhL jz;zPu;Nrkpg;igAk; ,uz;L klq;Fmjpfupf;fyhk;.

fpuhidl; Fthupapd; %yk; jpdKk;500 Fthupfspy; 4 fw;fs; %yk; Rkhu;2>000 fpuhidl; fw;fs; ntl;bvLf;fg;gLfpd;wd. xU fpuhidl; fy;Rkhu; 5 fdkPl;lu; Kjy; 12 fdkPl;lu;

kzy; Fthupfs;

ePu;epiyfs;

fpuhidl;

16

2015-16d; Kjy; fhyhz;by; nghJj;Jiwg; nghJf;fhg;gPl;L epWtdq;fs; &.12>430Nfhb gphpkpak; jpul;b 11.9 tsHr;rp ngw;Ws;sd. jdpahH epWtdq;fs; &.9>733 Nfhbjpul;b 11.4 tsHr;rp ngw;Ws;sd.

%

%


19/32

tiu ,Uf;Fk;. fpuhidl; fw;fspd;

tif %yk; xU fpuhidl; fy; xU

fdkPl;lu; ruhrupahf 2>500 &gha; tiu

kl;LNk tpw;fg;gLfpwJ. cz;ikapy;

,jd; ru;tNjr khu;f;nfl; tpiy 50>000.jkpofj;jpy; jpdKk; vLf;fg;gLk; 10>000fdkPl;lu; fpuhidl; fy; %yk; xU

fdkPl;lu; 33>000 &gha;f;F tpw;fg;

gl;lhYk;$l xU fdkPl;lu; 30>000

&gha; $Ljyhf tpw;fg;gLk;. ,jd;

%yk; jpdKk; 30 Nfhb &gha; tPjk;

Mz;Lf;F 10>950 Nfhb &gha; fpilf;Fk;.

jpdKk; 2 yl;rk; yhup NyhLfs;

%yk; fpuhty; kz; vLf;fg;gl;L

tUfpwJ. xU NyhL fpuhty;

kz;Zf;F muRf;Fr; nrYj;jg;gLk;

njhif ntWk; 90 &gha;jhd;. gy

tiffspy; KiwNflhf vLf;fg;gLk;

fpuhty; kz; xU NyhL 200 &gha; vd

epu;zapf;fg;gl;lhy; xU ehisf;Ff;

$Ljyhf 110 tPjk; &.2.20 Nfhb

fpilf;Fk;. Mz;Lf;F &.800 Nfhbtiu fpilf;Fk;.

lh];khf;if %bdhy; Ml;rpahsu;

-fspd; igfspy; fud;]pfs; nfhl;lhJ

vd;gjhy;jhd; tUtha; ,og;G vd

fhuzk; nrhy;fpwhu;fs;. tUtha; ,og;GmuRf;F my;y. murpay;thjpfSf;Fj; -

jhd;. 11 kJghd epWtdq;fs;> 7 g Pu;fk;ngdpfs;> 1 xapd; fk;ngdp vd 19

epWtdq;fs; lh];khf;Ff;F 'ruf;F'

rg;is nra;fpd;wd. 2011-y; m.jp.K.f

Ml;rpf;F te;jgpwFjhd; 4 kJghd

epWtdq;fSf;F cupkk; toq;fg;

gl;bUf;fpwJ. murpay; gpd;Gyj;Jld;

,aq;Fk; kJghd cw;gj;jp epWtdq; -

fSf;F Ml;rpahsu;fspd; fuprdg;

ghu;it vg;NghJk; cz;L. mjpy;,uz;L jpuhtplf; fl;rpfSk;

risj;jit ,y;iy. viyl;

b];by;yuP];> v];.vd;.n[ b];by;yuP];

Mfpa ,uz;L epWtdq;fSk; jp.K.f

Ml;rpapy; tsk; nfhopj;jd. ,g;NghJ

kplh]{f;F Rf;fpu jpir. ,e;j

epWtdq;fSf;F Mu;lu; toq;Ftjpy;

lh] ;khf; mj pfhupfs ; fhl;Lk;

mf;fiwapy; mtu;fspd; Ngq;f;Ngyd;]; vfpw Muk;gpf;fpwJ. kJghdj;

njhopy; kpfg;ngupa re;ij vd;gjhy;mjpfhupfs; kl;lj;jpy; gzk; jz;zPuha;

gha;fpwJ. Fbgpupau;fs; jq;fSf;F

tpUg;gkhd gpuhz;Lfisj; Njb

lh];khf; filfSf;Fg; Nghdhy; mJ

fpilf;fhJ my;yJ vg;NghjhtJjhd;

f p i l f ; F k ; . g p u g y k p y ; y h j

gpuhz;Lfs;jhd; lh];khf;fpy; ,Uf;Fk;.ve;j gpuhz;Lfis nfhs;Kjy; nra;a

Ntz;Lk; vd;gij KbT nra;tJ

mjpfhupfs; vd;gjhy;> mtu;fs; fhl;by;

fud;]p kio nfhl;LfpwJ. M/g;> /Gy;ghl;by;fs; kl;LNk ruskhff;

fpilf;Fk;. Fthu;l;lu; ghl;bypy;

tUtha; FiwT vd;gjhy; mijAk;

];lhf; itf;fhky; ghu;j;Jf;nfhs;tJk;

mjpfhupfspd; uh[;[paj;jpy; elf;Fk;tptfhuk;. ,g;gb gyupd;

ghf;nfl;Lfspy; tyk; Nru;f;Fk;

lh];khf;if %bdhy; kJ Miyfis

%lNtz;bapUf;Fk;.

fpuhty; kz;

kJtpyf;if tpyf;FtJ Vd;?

ed;wp: #&dpah; tpfld;

17

,e;jpah KOtjpYKs;s nrhj;Jf;fspypUe;J 2015-16 epjpahz;by; thliftUthahf &.325 Nfhb


20/32

nklk; :

cjtp :

nklk; :

cjtp :

nklk; :

cjtp :

nklk; :

nklk; :

kd;dhh; :

nklk; :

kd;dhh; :

nklk; :

kd;dhh; :

nklk; :

,d;idf;F

epfo;r;rpapy ahh; ahh;fye;Jf;fpwhq;f...??

,d;idf;F kd;dhh; vd;fpw

kd;. uhjhfpU\;zDld; Fkpopir

nrse;jh;uhrDk; fye;Jf;Fwhq;f

Nklk;....

mJ vd;d kd;.

uhjhfpU\;zd;...?! ehd; fhf;fh

uhjhfpU\;zd;jhd; Nfs;tp

gl;LUf;Nfd;.... mth; ey;y

ebfh;...

,tUk; ey;y ebg;ghh;

N k l k ; . M d h y ; , t h ;

ebfhpy;iy...

mg;Gwk; ahh; ahh;....??

mg;Gwk; Ntw ahU...?

tof;fkhf ,ta;q;fshy

ghjpf;fg;gl;ltq;f jhd;...!rhp rhp tur; nrhy;Yq;f....

tzf;fk; Neah;fNs!!

,d;idf;F Kf;fpahd nuz;L Ngh;

ek;k epfo;r;r pf ;F te;jpUf;fhf...

mtq;fSf;F vd;d gpur;rid>

mtq;fshy mg;ghtp kf;fSf;F vd;d

gpur;ridd;D ehk ,g;g myrp Muhag;

NghNwhk;...

ma;ah tzf;fk;....!! thq;fk;kh

tzf;fk;!!

'mk;kh.... mk;kk;kh...."

vd;da;ah... tzf;fk; nrhd;dh...

'mk;kh... mk;kk;kh..."d;D

tb N tY k hj p h pmdj;JwPq;f....??

K ba yk ;k h. .. . r h; tN jr

Nahfh jpdj;Jy fye;Jfpl;Nld;.... rh;t

NjfKk; Mbg; NghapUr;Rk ;kh. ..

'mk;kh... mk;kk;kh..."

mJ rhpq;fa;ah... mJf;fhf

ePq;f Njrpa fl;rpapy ,Ue;Jfpl;L

'mk;kh... mk;kh..." d;D nrhy;ypf;fpl;L

,Ue;jPq;fd;dh> khepyf; fl;rpf;F

Nghfg; NghwPq;fd;D nfhSj;jpg;

Nghl;Lwg; Nghwha;q;f...

mj Vk;kh Nff;FwPq;f...

Nahfhrdk;dh> VNjh rpk;khrdk; khjphp

,Uf;Fk;... Rk;kh xf;fhe;jh NghJk;Dek;gp... Ngha; Vkhe;Jl;Nld;...

mJ rhp... md;idf;F...

je;ijah; jpdk; Ntw... ek;k

Njrg;gpjhTf;F xU epkp\khtJ

ehl;Lg;g[wj;jhd;

18

tq;fpfshy; tpw;gid nra;ag;gLk; fhg;gPl;by; jtwhd tpw;gidiaj; jLf;f> epWtdKftHfshd tq;fpfs; cs;spl;l epWtdq;fspd; jiyik mYtyHfs; tw;GWj;jg;gl;ltpw;gid ,y;iy vd;W cWjpnkhop mspf;f Ntz;Lk; vd;W mwptpj;Js;sJ.IRDA


21/32

khpahij nfhLj;jpUg;gPq;fsh...??!!

Njrg; gpjhTf;F khpahij

nfhLf;fpwjh...? Njrpaf; nfhbf;Nf

khpahij nfhLf;fpwJ ,y;yPq;f. ehk

Gdpjkh neidf;fpw Njrpa nfhbatr;rp nkhfj;jj; njhilf;fpwhU>

mtq;f nry;/gp jiytU... ePq;f

vd;dlhd;dh...

mJ mg;gbapy;y Nklk;...

ek;k Njrg;gpjh ek;k Njrj;ijNa

Jzpah cLj;jpapUe;jhh;... ek;k

jiyth; Njrpaf; nfhbia Jz;lhf

cgNahfg;gLj;jpapUf;fpwhh;... ,Jf;Fg;

Nghap....

mJ rhpq;fa;ah.... ,e;j

rh;tNjr Nahfhjpdj;Jdhy

vd;da;ah gpuNah[dk;...??

vd;dk;kh... ,g;gb

nghRf;Fd;D nrhy;ypg;Gl;l...

vt;tsT nghpa Nahfh FUf;fs;>

ghghf;fs; cs;s Njrk; ,J...?

Nklk; mth; fhh;g;gNul;rhkpahUq;fis nrhy;whh; Nklk;...

ma;ah... ehd; mtq;fSf;F

fpilf;fg; Nghw gyidg; gj;jp

Nff;fyq;fa;ah... ,Jdhy rhjhuz

kf;fSf;F vd;d gpuNah[dk;...?

ehd; kf;fisAk;> ,e;j

khjphp kfhd;fisAk; NtW Ntwhf

epidf;fiyk;kh....

rhpah nrhd;dPq;fd;Nz...!!!

kfhd;fsh? ,tpa;q;fsh...?!?!

I.gp.vy;-d; Kd;dhs;

jiyth; ,q;fpyhe;jpypUe;J jdJ

kidtp kUj;Jt rpfpr;ir ngWk;

Nghh;r;Rf;fy;ypy; cs;s yp];gd;

efUf;F nry;y gaz Mtzq;fis

toq;Ftjpy;> tpjpKiwfis kPwp

kj;jpa ntspAwTj; Jiw mikr;rhpy;,Ue;J> uh[];jhd; khepy

Kjyikr;rh; tiu cjtp

gz;zpapUf;fhq;fNs...

,Jy nfhLik vd;dd;dh...

mth; ekJ ehl;bd; mkyhf;fj;

Jiwahy; Njlg;gl;L tUk; egh;.

, e;j paht py; ,Ue ;J jg;gpNahb

,q;fpyhe;Jf;F nrd;W jiykiwtha;

,Ug;gtUf;F rl;lj;ij kPwp cjtp

nrQ;rpUf;fhq;f...

,y;iyapy;iy... ,J xU

kdpjhgpkhd mbg;gilapy nrQ;r

c j t p j h d ; . . . , i j j ; j t w h d

fz;Nzhl;lj;Jy ghh;f;ff; $lhJ.

mg;gbd;dh... mtuJ kidtprpfpr;ir ngWk; kUj;Jtkidapd;

mwf;fl;lisf;F uh[];jhd;y ,ytr

epyk; xJf;fPL nra;J gyE}W Nfhb

&gha; epjpasp;g;gjhf xU Ghpe;Jzh;T

ghjp 1 :

kd;dhh; :

nklk; :

kd;dhh; :

ghjp 2 :

nklk; :

kd;dhh; :

FkpHpir :

ghjp 1 :

nklk; :

ghjp 2 :

FkpHpir :

nklk; :

19

MAs; fhg;gPl;L tpsk;guq;fspy; fl;lhakhf;fg;gl;bUe;j MAs; fhg;gPL nrhe;jtpUg;gj;jpw;Fl;gl;lJ vd;w thrfk; ,dpfl;lhakpy;iy vd;W mwptpj;Js;sJ.

(Insurance is the subject matter of solicitation)

IRDA


22/32

xg;ge;jk; Nghlg;gl;Ls;sNj.... ,Jf;F

vd;d gjpy; nrhy;wPq;f...?!

mg;gbd;dh... mtuJ kidtp

rpfpr;ir ngWk; kUj;Jtkidapd;

mwf;fl;lisf;F uh[];jhd;y ,ytrepyk; xJf;fPL nra;J gyE}W Nfhb

&gha; epjpasp;g;gjhf xU Ghpe;Jzh;T

xg;ge;jk; Nghlg;gl;Ls;sNj.... ,Jf;F

vd;d gjpy; nrhy;wPq;f...?!

,y;iyapy;iy... ,J

rl;lhPjpahf rhpahjhd; cs;sJd;Dvq;f epjpaikr;rNu nrhy;ypl;lhNu...

mg;Gwk; vd;d...?!

Mdh... cq;f fl;rpNahl

ghuhSkd;w cWg;gpdh; jpU. Mh;.Nf.

r p q ; > , J r l ; l h P j p a h f T k ;

nfhs;ifhPjpahfTk; jtwhdJd;D

nrhy;ypapUf;fhNu...

,g;gbj;jhd;.... ehq;fNs

khwp khwpg; Ngrp kf;fis nfhog;gptpl;LUNthk;...!!

vd;dJ...?!

,y;iyapy;iy...

kf;fSf;Fj; njspTgLj;JNthk;D

nrhy;y te;Njd;.

,j nrhy;wPq;fNsk;kh...

Nkw;F tq;fhsj;Jy... mk;khepyf;

fl;rpapd; ghuhSkd;w cWg;gpdUk;>

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26

2013-14y; 3.9 Mf ,Ue;j ,e;jpahtpd; fhg;gPl;L CLUty;> 2014-15y; 3.3 Mff;Fiwe;Js;sJ. ,J MAs; fhg;gPl;by; 3.1 ypUe;J 2.6 MfTk;> nghJf;fhg;gPl;by;0.8 ypUe;J 0.7 MfTk; rhpe;Js;sJ.

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Xl;LeH chpkj;Jf;fhd Nrhjidfis

elj;Jk; mikg;Gf;fs; Xl;Lk; ghijapy;

cl;gjpf;fg;gl;l kpd;dZ czHtpfs;

%yk; jhdpaq;fp fz;fhzpg;G trjpfs;>

fz;fhzpg;G fhkpuhf;fs; cs;spl;ltrjpfisf; nfhz;bUf;f Ntz;Lk;.

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rpwpa Kjyhspfnsy;yhk; mjw;Fs;

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lhl;lhf;fSk; kl;LNk Mjpf;fk; nrYj;j

KbAk; vd;W nghUs;.

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vd;w ngahpy; ,e;jpah KOikf;Fk;

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chpkk; 9 khjj;Jf;F toq;fg;gLk;.

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toq;fg;glkhl;lhJ. 40 taJf;F

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chpkq;fis 2 Mz;LfSf;F khw;wpf;

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nra;ayhk;! thfdj; jahhpg;GepWtdq;fspd; fhl;by; kiojhd;!

LLR

Genuine Spare

27

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LIC

LIC


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Ntz;Lk;. jtwpdhy; xt;nthd;wpw;Fk;

jyh &.2>500 mguhjk;! mjhtJ>ghJfhg;G ePq;fNs Njbf;nfhs;sNtz;Lk;> jtwpdhy; mguhjk; kl;Lk;ehq;fs; tpjpg;Nghk;! gpukhjkhd Nkhb

tpj;ijjhNd?

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epd;W nfhz;L gazpg;gjw;fhd rpwg;GmDkjp ngw;w NgUe;Jfs; Mfpait

jtpu kw;w midj;Jg; NgUe;JfspYk;nry;Yk; gazpfs; rPl; ngy;l;mzpe;jpUf;f Ntz;Lk;. jtwpdhy; &.5000

mguhjk; t#ypf;fg;gLk;!

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,r;rl;lj;jpd; Nehf;fk;. thfdq;fs;

jFjpapog;Gr; nra;ag;gLk; vd;gjhy;rpwpa gOJghHf;Fk; filfs; nray;gl

KbahJ> Xl;LeH chpkk; jdpahH

epWtdq;fs;jhd; toq;Fk; vd;gjhy;rpwpa Xl;LeH gapw;rpg;gs;spfs; nray;gl

KbahJ> rpwpa cjphp ghfq;fs;jahhpf;Fk; epWtdq;fs; nray;glKbahJ vd Nfhbf;fzf;fhdtHfspd;

tho;thjhuj;ijr; rpijj;J> nghpafl;lzq;fs;> nghpa tpiy cjphp

ghfq;fs; vd;W midj;Jg; gFjpkf;fsplkpUe;Jk; jdpahHngUKjyhspfs; nfhs;isabg;gjw;fhd

toptiffisr; nra;tJ vd;gij kpff;ftdkhfr; nra;jpUf;fpwJ ,e;j tiuTr;rl;lk;.

mjhdpfSf kl Lk mr rp jpd fP MfaP midj J kf fSf k Mg g[ jp d fP MfaP'

mjhdpfSf;F kl;Lk; mr;rp jpd; fP MfaP midj;J kf;fSf;Fk; Mg;g[ jpd; fP MfaP! ' " !!

28

IRDA LIC

LIC

tpd; Gjpa tpjpKiwfs; eilKiwf;F te;jgpd; apd; Kjy; A+ypg; ghyprptpiutpy; mwpKfg;gLj;jg;gltpUg;gjhfTk;> tPl;Lf; flDf;fhd jpl;lk; xd;iwmwpKfg;gLj;j MNyhrpf;fg;gLtjhfTk; apd; jiytH $wpAs;shH.


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sangakural july 2015

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