[www.keralites.net] What is reversionary Bonus in Insurance ?

 

What is reversionary Bonus in Insurance ?

Insurance in India was traditionally bought by customers more as a tax saving investment rather than to protect the family's future from adversities in life.

The Insurance Regulatory and Development Authority (Irda) effected changes in September 2010 that made selling of unit-linked insurance plans (Ulips) less attractive and selling traditional insurance products more attractive for agents.

These changes along with a slowing capital market (that impacted returns from Ulips) have changed the course of the industry with insurers now selling more traditional products than Ulips while making customers more receptive to them.

While these traditional products are simple on the face of it, very few customers actually understand the benefits/returns offered by these products. What is more popular among traditional products are participating products.

These are products which offer a share of insurer's profit in the form of bonuses that are declared from time to time by the insurer. Declared bonuses (disbursed at the time of claim) are a very important aspect of any insurance plan that affects the returns one gets from the policy.

Bonuses are expected to be smoothed from one year to the next so that there is minimum volatility in the returns given to the policyholders.

My attempt here is to demystify the perceived complexity around the bonuses offered in the participating insurance products, which should help a consumer take an informed decision while buying an insurance plan.

 

Reversionary Bonus

A traditional insurance policy, if in force/fully paid, shall participate in the profits of the company's policyholders' fund from the commencement date of the policy. It gets a share of the profits in the form of bonuses.

These bonuses declared regularly and paid at the end (at the time of claim) are called reversionary bonuses. They are declared as a percentage rate, which applies to the sum assured of the policy, in respect of the basic policy benefit.

Once declared, they form a part of the guaranteed benefits of the policy. The two common forms of declaring reversionary bonuses are given below:

I) Simple reversionary bonus

II) Compound reversionary bonus

 

Simple reversionary bonuses are declared as a percentage rate, applied to the sum assured in respect of the basic policy benefit.

Compound reversionary bonuses are a percentage rate, which apply to the sum assured in respect of the basic policy benefit, and to the reversionary bonuses already attached to the policy. The difference is in the way the bonuses are accrued.

Given the same rate of bonus every year, simple bonuses are accrued in a straight line, whereas compounded bonuses increase with duration due to compounding.

As you can see, the benefit accrued is almost the same after 20 years, although the simple bonus is at 5% and the compound bonus is at 3.6%. This is because of the way the bonuses are accrued under different methods.

The reversionary bonuses are normally declared annually at the end of each financial year based on the statutory valuation carried out under the prevailing regulations.

A reversionary bonus would normally be declared at the end of every financial year. They are payable at the time of claim i.e. at maturity or on the death of the life assured or surrender during the policy term.

Similarly, during the term of the policy, if there are some profits arising due to a one-off reason, and the same profits are not expected to repeat again, this profit is passed on to policyholders as a one-time bonus which is called as special reversionary bonus. This bonus is declared immediately but paid at the time of claim/maturity.

 Terminal bonus

Terminal bonus is paid at maturity or at the time of claim. After declaring reversionary bonuses if there are still residual profits available in the policy, they are declared as terminal bonus.

Terminal bonuses are quite common with many insurers, although one-off bonuses are not very common.

It is important to understand reversionary bonus in your policy while buying a participating product. Don't be misled by just looking at the bonus rate, projected rate for future or the bonus rate declared by a company last year. Understand what bonus it is and what it means to your final benefit.

Also, don't be misled by making a direct comparison of bonus rates between two companies. One company may follow a simple reversionary bonus approach and the other company may follow a compound reversionary bonus approach. Compound bonus may look small initially but can become big towards the later years of the policy as your bonus will earn further bonus.

The different bonuses mentioned above are the critical ones for a customer. There are other types of bonuses, such as cash bonus. So, understand the bonuses before making a decision. If not clear, ask for more information.

Look at your sales illustration. Look at the benefit accrued each year and make an informed decision. And finally, please note that the bonuses shown in your illustration are only indicative and not guaranteed.

So, don't be misled by higher bonuses shown (if at all they are shown higher), but look at the company profile and past records and its ability to make profits. Companies which make profits only can give you better bonuses, not the ones who just show better bonus rates in their illustrations.

Source: ET

Best Regards

Prakash Nair

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[www.keralites.net] KYC once done by one branch of bank should be valid for transfer of account within the bank

 

KYC once done by one branch of bank should be valid for transfer of account within the bank

 

RBI/2012-13/122
UBD.BPD (PCB) Cir. No. 3/14.01.062/2012-13

 

The Chief Executive Officer of
All Primary (Urban) Co-operative Banks

Madam/Dear Sir,

Intra-bank Deposit Accounts Portability

It has been brought to our notice that some banks are insisting on  opening  of fresh accounts by customers when customers approach them for transferring their account from one branch of the bank to another branch of the same bank. In such cases, insisting on opening of a fresh account or subjecting the customers to the full KYC procedures again causes inconvenience to them resulting in poor customer service. Further, in case of banks that are CBS enabled, the KYC records of a customer could be accessed by any branch of the bank and hence it is not reasonable for such banks to  subject the customer again to the full KYC procedure.

2. Banks are advised that KYC once done by one branch of the bank should be valid for transfer of the account within the bank as long as full KYC procedure has been done for the concerned account. The customer should be allowed to transfer his account from one branch to another branch without restrictions. In order to comply with KYC requirements of correct address of the person, fresh address proof may be obtained from him/her upon such transfer by the transferee branch. It may be noted that the instructions regarding periodical updation of KYC data in terms of paragraph 2.4(c) and those on  maintenance  of records of identity and transaction in terms of paragraph 2.15 of our Master Circular UBD. BPD. (PCB). MC. No.16 /12.05.001/2012-13 dated July 02, 2012 remain unchanged and banks will be required to carry out the updation at prescribed intervals as also maintain records of  transactions  and verification of identity as prescribed.

3. Please acknowledge receipt  to our Regional Office concerned.

Yours faithfully,

(A. Udgata)
Chief General Manager-in-Charge

 

 

Best Regards

Prakash Nair

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[www.keralites.net] KARKITAKA VAVU PITRU SMARANA On July 18 th AND HOW TO PERFORM PITRU THARPANA

 

KARKITAKA VAVU PITRU SMARANA AND HOW TO PERFORM PITRU THARPANA

Namaste

JULY 18 th Wednesday is Karkitaka Vavu .. Let us remember our forefathers .Please Read below mentioned written, and attached by our respected Guruji Dr.N. Gopalkrishnan. 

 

May I request you all, (whether you are Hindu, Christian, Muslim or atheist) to chant this mantra and offer little flower, water and a sincere devoted prayer on July 18 th for your forefathers who   gave you your body and life. They gave you the opportunity to come to this world   and enjoy.  Wherever you are, which ever part of the world you are chant this mantra  and  silently pray for a minimum  five minutes

 

Manthra and its meaning for the pithru tharpana to be held on 18^th 0f July, during Karkitaka vavu/new moon day (karkitaka amaavasy)

 

Aabrahmano ye pitru vamsa jaathaa maathu thaththaa vamsa bhavaa madeeyaa:

Vamsa dwayesmin mama daasa bhootha  bruthyaa thathiva aasritha sevakaascha

Mithraani sakhya pasavascha vruskshaa  drushttaascha adrushtaascha kruthopakaara

Janmaanthare ye mama sangathaascha thebhya  swayam pinda balim dadaami

Maathru vamsey mruthaaayescha pithruvamse thathaiva cha

Guru swasura bandhoonaam  ye chaanye  baandhvaa mruthaa

Ye may kule luptha pindaa putra daara vivarjitha

Kriyaa lopa hathaaschaiva jaathyanthaa pankavasthathaa

Viroopaa aamagarbhaascha jnaathaa ajnaathaa kule mama

Bhoomou datthena balinaa thrupthaayaanthu paraam gathim

Atheetha kula koteenaam saptha dweepa nivaaseenaam

Praaneenaam udakam dattham akshayyam upthishtathu

Avasaaneeyarghyamidam

 

Meaning of the above manthra

In this world thoe who were borne in the clan of my father and mother

And all those who are  related to me directly or indirectly

Those who were my servants  for the last two janmas

All those who  served  and helped me  and depended on me

All those who were my friends and associates

All those plants and animals whom I depended for my life

All those who supported me directly or indirectly

All those who associated with me for the past many janmas

For all of them I myself offer this panda, flower and water and prayer

For all those who passed away from the kula of my  mother

And also from the kula of my father, gurus, relatives  and in laws

For all those who were not fortunate to receive the panda in the past

For all those who suffered without the support of wife/husband and children

For all those who could not do good to others  due to many reasons

For all those who were borne, lived and died  in poverty

For all those who were ugly  and also who died prematurely

For all those who died in the womb of mother without seeing the world

For all known and unknown  relatives of  mine lived   and died

For them too I offer this prayer , pinda , water   and gingely with tulasi

I offer all these on this earth  for making them immortal and happy in their own world

For all those who were living   and for all the living  creatures and living beings

Existed /lived  on the seven continents for many million years

I offer this pinda and water  for  the happiness of their soul to rest in peace

Let them   be happy  in their own world  blessing the  world

Let me offer once again a drop of water  to you Oh ! my forefathers !

 

Inform your friends , relatives and all those who are connected with you to come and experience    doing the pithru smarana  in the spiritual research centre of Indian Institute of Scientific Heritage, Mazhuvanchery Mahadeva Temple, at Mazhuvanchery, near Kechery, in the Highway side   to Trissur- Guruvayoor/Kunnamkulam  on 18 th July 2012  from 6.00 am to  11.30 am ( each batch 35 minutes)

 I myself ( Dr. N. Gopalakrishnan ) will be leading  this  pithru karma  by explaining the meaning and messages of  each part of the  aachara. If not possible to come to this place, we shall send you the brochure  which explains the ritual.  Perform the ritual wherever you are  with your family , friends and devotees  or yourself.  

Pre registration or pre information is not needed, you can come to the temple after taking bath from your home)

Let this  be performed in all temples, churches and mosques too at least in India, because  remembering our forefathers  is the mission of all  religion.

PITHRU KARMA IN ENGLISH WITH MANTHRAS GIVEN AS TRANSLITERATED VERSION. DO THE KARMA BEFORE EATING BREAKFAST

 

 If possible previous  day (July 17^th) eat only little food / wheat based food as vratham for doing pithrukarma on 18th July 2012 

 

Where ever deergham is to be used in pronunciation, the vowels are used twice here. Read the Sanskrit line few times  so that  correct pronunciation will  automatically come. Any mistake occurred while doing do not worry, be sincere and do with all concentration. Let someone read it for you when you perform the karma, which will be better

 

Purpose of doing pithrukarma

Indian culture and civilization is  the only  one, which survived for the last not less than 10,000 years and it is due exclusively to the family relation, and social bondage we maintained during this period. Pithru karma is not merely for the parents it is for one and alls who has associated with us in this janma and past many janmas and also those who are connected with us directly indirectly. What we offer to our forefathers and  all those who were responsible for our existence to on this earth cannot be  explained  but merely physical words. ( as you know we  remember many heroes, including Krishna, Jesus, Prophet , and  conduct many ritual on their birth day and  anniversary, not thinking that they are seeing all these and taking our offerings, but it is our homage to them  as they are responsible in many ways for us  in getting a  useful experience in our life.

 

The abstract of the rituals is enclosed as requested many people perform the way possible without violating the rules of  the country where you are working.

 

All that is needed a little thulasi, karuka  (durva) , darbha/ kusa (mermooda grass) , a glass water with spoon, chandan/ sandal wood paste, gingely /sesame / ellu, little cooked rice and  non cooked rice..

 

Procedure: Put a little  raw rice in the glass of water and pray –

gange cha yamune chaiva godaavari saraswati narmade sindhu kaaveri jalesmin sannidhim kuru (I perform the pinda karma using the wter ofseven  holy river of bhaarath)

 

Take little water in your right hand and spray on the ground  where you are sitting and make a circular mandala   and put the darbha keeping the pointed ends towards south and north chanting this mantra, spared about ten pieces of 10 cms long darbha on the mandala

 

Ayodhya madhura maaya kaasi kaaanchi avanthika puri dwaaraavati chaiva saptha ethey moksha daayaka I I perform this pithru tharpanam  remembering seven holy cities of Bhaarath)

 

Take  a small quantity  of gingely, tulasi, durva grass , hold in both hands, lift the hands a little high as though you are doing aavaahanam  and  pray as follows after the  mantra put the materials in the bottom corner of the dharbha put in the mandala

 

Vasu rudra aaditya swaroopaan, mama  vams'a thraya  ubhaya kula pitroon, dhyaayaami , aavaahayaami,  asmin koorcha mole sthaapayaami, poojayaami

 

 (where ever deergham is to be pronounced, in the mantra  there double vowels are given).

 

Now  you have invited (aavaahanam done) your three generations of forefathers with gingely and tulasi and have told them to be on the darbha and you have to do the pooja as follows

Chant  repeatedly Om Namo Naaraayanaaya ( If you are a Christian or Muslim chant which ever you feel god)  and offer three times,  first water, then tulasi, then chandan /sandal wood paste, then water   and silently pray for  five second .

 

Now we have to invite  our  great grand forefathers  known as aadi puthrus  who were  there beyond the three generations back.  Chant the following mantra  and hold  tulasi, gingely, durva/karuka with chandan and water  a few drops in your hand, split the materials   into  two and hold in two hand and raise your hands above the shoulder level as you are inviting the great rant forefathers from the sky.

 

Aadiputhrubhyo nama aadi pithroon, dhyaayaaami avaahayami asmin koorcha madhye  sthaapayaami poojayaami – place the material together in the middle of the dharba , kept on the mandala.

 

Repeat the pooja as mentioned above chanting Om Namo Narayanaaya  repeatedly and offer three times each  water, chandan, tulasi, rice and again thrice water.

 

(Now  two levels of  forefathers and ancestors and   invited for receiving our offering on the  dharbha / kusa grass.

 

Take two thirds of the cooked rice in your hand and make it a  ppinda in spherical shape chanting this mantra

Devathaabhya pithrubhyascha mahaa yogeebhya eva cha

Nama swadhaayai swaahaayay  Nithyameva namo nama:

 

Tilodakam cha pindam cha pithroonaam parithushtaye

Samarpayaami bhakthya praarthayaami praseeda may

 

Put the pinda with  reverence on the center of the  darbha .

 

Now the pooja for the pinda (pinda pooja is performed)

 

Chant as mentioned above  Om Namo Naaraayanaaya  repeatedly and slowly offer three times bit water in drops, flowers,  gingly, chandan, as many white flowers as possible if available and then  again thrice water drops.

 

The prayer  is given earlier  through pdf format in Malayalam and Sanskrit script /devanagari script

 

Aabrahmano ye pithru vamsa jaathaa maatru thathaa vamsa bhava madheeya till the end………….continue the mantra

At the end of the mantra   take the remaining part of the cooked rice mix with few drops of water and  put around the pinda and pray for a minute or so remembering the face of your mother/father /forefathers whomsoever you can remember.

 

After the prayer  once more give a little water  chanting the mantra 

avasaaneeya arghyamidam

 

Now pithru tharpanam. For each tharpanam   give few drops of water with your right palm taking the spoon of water in the left hand .  Let someone chant this and you only repeat.

 

Tharpanam to the natural divine forces and energy (once)

 

Agni thrupyathu                         devaa:  trupyanthu        

vedaa: thrupytanthu                  Siddhaa: thrupyanthu

Rushaya: thrupyathu                     saadhyaa: thrupyanthu

Gaava: thrupyanthu                   naagaa: thrupyanthu      

gayathri thrupyathu                     vyaahruthaya  thrupyathu 

vashatkaara thrupyathu                     anthareeksham  thrupyathu 

ahoratraani  thrupyanthu                   samudra: thrupyathu

nadhya: thrupyanthu                   giraya; thrupyathu 

parvathaa: thrupyathu

 

Where plural comes  thrupyaNthu  for singular thrupyathu)

Tharpanam to our gurus (twice)

 

S'atharchina thrupyathu thrupyathu

Gruthsamadha thrupyathu thrupyathu

Vasishta thrupyathu thrupyathu

Vyaasa thrupyathu thrupyathu

Sanaka thrupyathu thrupyathu

Sanaanthana thrupyathu thrupyathu

Sanalkumaara thrupyathu thrupyathu

Kapila thrupyathu thrupyathu

Bharadwaaja thrupyathu thrupyathu

Athri thrupyathu thrupyathu

Aathreya thrupyathu thrupyathu

 

Tharpanam to our  great achaaryaas (three times)

 

Sumanthu-jaimini-vaisampaayana- paila –soothrakaara – bhaashyakaara – ramaayana – mahabhaaratha – dharmachaaryaa: thrupyanthu thrupyanthu thrupyanthu (in one line)

 

Jaananthi – bhaahavi- gargya - gouthama -bhabravya- maandavya – maandukeya  thrupyanthu thrupyathu thrupynathu (in one line)

 

Kaholam tharpayaami tharpayaami tharpayaami

Kousheethakeem tharpayaami tharpayaami tharpayaami

 

Aithareyam tharpayaami tharpayaami tharpayaami

Mahaithareyam tharpayaami tharpayaami tharpayaami

S'ounakam tharpayaami tharpayaami tharpayaami

S'aakalam tharpayaami tharpayaami tharpayaami

Bhaashkalam tharpayaami tharpayaami tharpayaami

Saankhyaayanam tharpayaami tharpayaami tharpayaami

Aaswalaayanam tharpayaami tharpayaami tharpayaami

Bhouddhayanam tharpayaami tharpayaami tharpayaami

Aapasthambam tharpayaami tharpayaami tharpayaami

Pingalam tharpayaami tharpayaami tharpayaami

Yaaskam tharpayaami tharpayaami tharpayaami

 

Ye cha anye aachaaryaa: tey sarvey thrupyanthu thrupyathu thrupyanthu

 

To our parents and relatives ( if and only if they are no more /if they have passed away – offer this tharpana carefully)

 

Pitharam tharpayaami tharpayaami tharpayaami (father)

Pithaamaham tharpayaami tharpayaami tharpayaami  (grand father)

Pithruprapithaamaham tharpayaami tharpayaami tharpayaami (great grand father)

Pithaamaheem tharpayaami tharpayaami tharpayaami (grand mother paternal mother )

Prapithamaheem tharpayaami tharpayaami tharpayaami (great grand paternal mother)

 

Maatharam tharpayaami tharpayaami tharpayaami (mother)

Maathamaham tharpayaami tharpayaami tharpayaami (grand maternal father)

Maathrupithaamaham tharpayaami tharpayaami tharpayaami (great grand maternal father)

Mathamaheem tharpayaami tharpayaami tharpayaami ( great material mother)

Mathru pithaamaheem tharpayaami tharpayaami tharpayaami (great grand maternal mother)

 

Putru brathram tharpayaami tharpayaami tharpayaami (fathers's brother)

That patneem tharpayaami tharpayaami tharpayaami (his wife)

That puthram tharpayaami tharpayaami tharpayaami (his children)

Pithru bhagineem tharpayaami tharpayaami tharpayaami (father's sister)

That bharthaaram tharpayaami tharpayaami tharpayaami (her husband)

That putram tharpayaami tharpayaami tharpayaami (her children)

Maathulam tharpayaami tharpayaami tharpayaami (mother's brother)

Thath patneem tharpayaami tharpayaami tharpayaami (his wife)

Tah putram tharpayaami tharpayaami tharpayaami (His children)

Maathru bhagineem tharpayaami tharpayaami tharpayaami (mother's sister)

That bharthaaram tharpayaami tharpayaami tharpayaami (her husband)

That  putram tharpayaami tharpayaami tharpayaami (her children)

 

Aathma patneem / aathma bharthaaram tharpayaami tharpayaami tharpayaami

 (own wife /husband)

Aathma braatharam tharpayaami tharpayaami tharpayaami (own brother)

Tath patneem tharpayaami tharpayaami tharpayaami (his wife)

Tath putram tharpayaami tharpayaami tharpayaami (his children)

Aathma bhagineem tharpayaami tharpayaami tharpayaami (own sister)

That bharthaaram tharpayaami tharpayaami tharpayaami (brother in law)

That putram tharpayaami tharpayaami tharpayaami (his children)

Aathma putram tharpayaami tharpayaami tharpayaami  (own children)

 

Jnaatha ajnaatha ubhaya kula vamsa dwaya pithroon

tharpayaami tharpayaami tharpayaami

 

 

All those who got birth in my clan / kula, who remain known or unknown to all of them

 

Once this tharpanam is over, take the pinda in your right hand and put back  chanting a line idam pindam gayaarpitho asthu (let this pinda be offered to Gaya)

 

The last prayer

 

Kaayena vaacha manasaa indriyairvaa budhyaatmanaa vaa prakrutey swabhaavaa karo yadhyath sakalam parasmai naaraayanaayeti samarpayaami

 

Offer a flower to god  and  take a bit of gingely from where the pinda  was kept and put it to the glass of water and pray – swargam gaccha swa

 

READ FEW TIMES YOU WILL GET THE  CORRECT METHOD

 

Never violate the  rules of the country where you work.  

(Ph. 04885-240236 / 04885-272749 /09446361149 /09447097407 /09447081070 / 9847310663 / nhcmazhuvanchery@gmail.com

(Address :  Director, National Heritage Centre, Mazhuvanchery, Near Kechery,

Trissur 680 501 )

Kindly spread the message to one and all  

 

SPECIAL INFORMATION  :1.  All the arrangements are being made for the successful conducting of Karkitaka vaavu pithru smarana on  wednesday 18^th July 2012 in Mazhuvanchery Mahadeva Temle, of IISH with accommodation facility for  July 17 th evening.  Those who would like  to involve in the programs as volunteers may kindly contact. We welcome your involvement in Karkitaka vavu pitru karma. Send the
nakshatra and  month  of those who have  passed away  (if you are not in a
position to do the pitru karma by yourself for them). Your full address +
phone number are needed for sending the prasadam also. If you want to
contribute towards this (which will be used for distributing monthly
support / help to poor homes) may kindly see the  procedure  in
www.iish.org . the details should be sent to nhcmazhuvanchery@gmail.com
and a copy to iishservice1@gmail.com

 

IISH COMMUNICATION TEAM

--
With pranams !
Dr. N. Gopalakrishnan,
M. A.; M.Sc.;Ph.D.; D.Litt.;  
Director, IISH

with regards

dilip                    

      

Bagavad Gita chapter 6 sloka 5

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www.keralites.net

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c¡k¤ o¢.d¢.F« F«.Fv.Fh¡t i¤.V¢.Fe¢©k´® lj¡u Yà¡t: ¨ovlj¡Q®
 
 

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Y¡u o¢.d¢.F½¢v c¢¼® J¥s¤h¡s¢i¢¶¢¿. d¡t¶¢ cvJ¢i F¿¡ dal¢Jq¤« F«.Fv.F Ì¡cl¤« D©dÈ¢µ ©mnh¡X® i¤.V¢.Fe¢v ©Ot¼Y®. F¨Êi¤« J¤T¤«f·¢¨Êi¤« Q£lu o«jÈ¢´¨¸TX¨h¼¤¾Y¢c¡k¡X® o¢.d¢.F« l¢¶¨Y¼¤« ¨ovlj¡Q® J¥¶¢©µt·¤. i¤.V¢.Fe¢©k´® lj¤¼Y¢c® Y¡u Otµ cT·¢iY® h¤K¬h±É¢ D½uO¡Ù¢i¤h¡i¢ h¡±Yh¡X®. d¢.o¢©Q¡tÒ® G¨s´¡kh¡i¢ Y¨Ê AT¤· o¤p¦·¡¨X¼¤« ¨ovlj¡Q® dsº¤.

 

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AÇoe cwK§fpsS AXn{]kcw aqew hnhmZ¯nembncn¡pIbmWv Pnkw 2. ]qPm `«v kwhn[m\w sNbvXncn¡p¶ Cu Nn{X¯n Ip{]kn² ¥maÀ Xmcw k®n entbmWmWv \mbnI. AÇoe Nn{X§fneqsS Ip{]kn²n t\Snb k®n entbmWnsâ \áXm {]ZÀi\w GsdbpÅ kn\nabnse ]t¯mfw cwK§Ä Hgnhm¡Wsa¶mWv sk³kÀ t_mÀUnsâ \ne]mSv. F¶m sk³kÀ t_mÀUnsâ Xocpam\¯ns\Xnsc cwK¯p h¶ncn¡pIbmWv ]qPm`«v. sk³kÀ t_mÀUv Xsâ kn\nabn \n¶pw GsX¦nepw cwKw apdn¨p amänbm B cwK§Ä bqSyq_neqsSbpw aäp tkmjy s\ävhÀ¡v sskäpIfneqsSbpw {]ZÀin¸n¡pw F¶mWv ]qP`«v ]dªncn¡p¶Xv. CtXmsS ]qPm`«pw Pnkw 2hpw hnhmZ¯nembncn¡pIbmWv. hnhmZ§Ä GXmbmepw Nn{X¯nsâ hnPbs¯ klmbn¡psa¶mWv \nÀ½mXm¡Ä IcpXp¶Xv.

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