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DekeÌìtyej 2023 ³eesie#esce 2
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 mecHeeokeÀer³e 4
LIC MF Balanced Advantage Fund, an ideal investment during

market highs
T. S. Ramakrishnan 6
 Are you a Human Leader? 8
K. Murlidar
 The One Who Cares, Complains Kulbhushan Sharma 12
 Conference of Principals - Sales Training Centre 15
ÒecegKe mecHeeokeÀ  Insurance Week Celebrations 16
Deeefol³e iegHlee  efnboer HeKeJeeæ[e HegjmkeÀej meceejesn 26
Chief Editor  Photofeature - Singapore S. Venkatesan 28
Aditya Gupta  Our Social Media Conversations 30
 I Can Do It Shelly Manhas 31
 Dece=le ceneslmeke Deepeeoer JeÀe ÞeOoe IeeCesJeÀj 32
keÀe³e&keÀejer mecHeeokeÀ
 ceOegj ke®eve nw Deew<eefOe ceveespe 33
DeeféeveerkegÀceej Pee
 Digital Initiatives of LIC Somashekar R. 35
HetefCe&cee iee³eleeW[s  Vigilance – A Social Revolution P. K. Srivastava 37
Jeer. cebIeveeveer  Events 38
Executive Editors  Jeevan Videsh - Activities of Foreign units 44
Ashwinikumar Jha
 Leaving Footprints…… Anny Gomes 45
Poornima Gaitonde
V. Manghnani
 Yeejleer³e peerkeve yeercee efveiece JesÀ yeoueles heefjkesMe ceW jepeYee<ee efnvoer JeÀe cenÊke mebieerlee mesþer 47
 Plant A Life (PAL) Prabhati Naik 48
 Millet Magic, Win Win Win for ALL !! Anand P. Katdare 49
mecHeeokeÀ ceb[ue  SueDeeF&meer SJeÀ yeÏeb[..... DeMeesJeÀ ³eMekebles 51
meefJelee HeeW#es  Time Out, Quiz Zone 52
veefJeve meeyeUs  Food Notes 53
Editorial Board  Tech Talk 54
Savita Ponkshe
³en DeeJeM³ekeÀ veneR efkeÀ Fme Heef$ekeÀe ceW ÒekeÀeefMele efJe®eej Yeejleer³e peerJeve yeercee efveiece kesÀ neW~ ³en Heef$ekeÀe Yeejleer³e peerJeve
Naveen Sable
yeercee efveiece kesÀ keÀce&®eejer, mesJee efveJe=Êe keÀce&®eejer Je DeefYekeÀlee&DeeW kesÀ efueS nw leLee FmekeÀe Jeeef<e&keÀ MegukeÀ ©. 75.00 nw~
ke=ÀHe³ee meYeer He$e J³eJenej ceW DeHeveer meom³elee mebK³ee keÀe DeJeM³e GuuesKe keÀjW~
ke=ÀHe³ee DeHeves megPeeJe, uesKe leLee efJe®eej nceejer F&-cesue DeeF&[er ë- [email protected] Hej Òese<f ele keÀjW~
kesÀ Üeje ef[]peeFve otjYee<e ë 66598446 / 66598807
meeiej HeeueJes (Deeefì&mì) The views expressed in this magazine are not necessarily those of the Life Insurance Corporation of India. The
Design by magazine is available only to LIC employees, retired employees and agents for an annual subscription of
` 75.00. PLEASE QUOTE YOUR SUBSCRIPTION NUMBER IN ALL CORRESPONDENCE.
Sagar Palwe (Artist)
Please send your suggestions, articles and comments to
our E-Mail ID: – [email protected] Tel. No. 66598446 / 66598807

3 Yogakshema October 2023

 mecHeeokeÀer³e
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- pees ®esveexke
Deeefol³e iegHlee
cegK³e mebHeeokeÀ

DekeÌìtyej 2023 ³eesie#esce 4

 Editorial
T he month of October brings with it the festival season and harvesting of Kharif crops. I
take this opportunity to convey my greetings of the festival to each one of you. During
the festival season, people pray for security and prosperity of their near and dear ones. At LIC,
‘Yogakshemam Vahamyaham - Your welfare is our responsibility’ is our motto and we dedicate
ourselves to the welfare of people. LIC has always contributed to activities that strengthen the
nation. All our offices have done a tremendous job in the PAL as well as Swachhata hi Seva
initiative. For businesses, the month of October, marks the beginning of the crucial second half
of the financial year which determines its performance. It is therefore, a time to assess where
we stand in respect of achievement of targets, re-strategize and intensify our activities to achieve
our business goals, as we need to reiterate our Market leadership with a huge surge in business.
Indian economy has been predominantly an agro-economy. However, with India being poised
towards becoming the 3rd largest economy in the world and initiatives like ‘Make in India’ and the
Digital movement slowly strengthening the economy, there is no dearth of business opportunities
for LIC. Being the festive month and the harvest month most businesses come out with offers
to boost festival sale. We must seize this opportunity as lot of money is infused into the market
during festive season and tapping these businessmen and shopkeepers can give us good results.
Demographically, we are a strong country with youth being our strength, so it is important to tap
this lucrative segment to grow our insurance portfolio. Today even senior citizens constitute an
important segment, as they are cash rich segment which face the risk of outliving their financial
resources vis-a-vis longevity, which can be covered by our annuity products. Today’s parents
are extremely focused on planning their child’s future educational needs. Also, more and more
women are joining the work force and becoming financially independent. These two segments
also provide good opportunities to grow our business.
It is also equally important to retain our existing customers. The present Special Revival
Campaign provides a good opportunity to improve the persistency ratios. While our 13th month
Persistency on premium basis improved by 150 bps to 77.09% last year, focused efforts can be
done to improve the persistency ratios.
LIC can play a major leadership role in the ‘Insurance for all by 2047’ mission, by ensuring
that we tap every segment and aggressively move in the market. It is time to rise and soar and
command an increase in our market share as at LIC – We know India better.
“Good marketing makes the company look smart. Great marketing makes the customer
feel smart.”
– Joe Chernov

Aditya Gupta
Chief Editor

5 Yogakshema October 2023

 LIC MF Balanced Advantage Fund, an
ideal investment during market highs

T. S. Ramakrishnan

Why pick between debt or equity, if you can have both allocations when equity valuations are low. This fund
with LIC MF Balanced Advantage Fund (BAF). Build a uses quantitative dynamic asset allocation models to
portfolio that responds to market conditions with LIC change its asset allocation.
MF Balanced Advantage Fund.
The Investment Strategy for LIC MF Balanced
As you all know, markets never settle in one place. Advantage Fund, essentially an open-ended Dynamic
It moves from one asset to another thereby creating Asset Allocation Fund, would be uniquely driven by
valuation cycles across asset cycles. This is how “Fundamental Driven Mathematical Model”. The fund
financial system works. Investor preference may vary endeavours to keep gross equity allocation 65% or
based on one’s risk appetite. No mutual fund schemes above to enable investor avail equity taxation Benefit.
or financial instruments can be a ‘one size fit for all’
LIC MF BAF invest across equity and debt & money
option. However, there are some mutual fund schemes
market instruments using several parameters like
which are built to capitalize on movement of money
valuations, interest rates and earnings spread.
from one asset class to another. Balanced Advantage
fund is one such category. As we know, Bond yields in a way, represent the
opportunity cost of investing in equities and perception
Volatility is the essence of the market. There are many
of risk appetite. LIC MF BAF would be using this inverse
factors that trigger volatility such as RBI policy, high
relationship between equity and debt for switching from
frequency economic indicators, Government policy
equity to debt and vice versa, based on Fundamental
reforms, Global macro-economic developments,
Driven Mathematical Model.
geopolitical events etc. Many a time, volatility triggers
psychological pressure in Investor’s mind and compels LICMF BAF model would precisely use this relationship
him to take uninformed / incorrect actions. Investors to determine optimum asset allocation level for the
tend to lose money in this quest. scheme. The model uses Interest rates, one year
forward Price Earnings ratio and Earnings Yield Spread,
LIC MF Balanced Advantage Fund has been built to
to arrive at the optimum asset allocation level.
remove these psychological barriers of the investor.
Balanced advantage funds reduce equity and increase LIC MF BAF would not only help participate in the market
fixed income allocations when equity valuations are rally but also more importantly it aims to minimise the
high. They will increase equity and reduce fixed income downward risk. It is very crucial in any investment

DekeÌìtyej 2023 ³eesie#esce 6

strategy. It is an apt product which could fill the gap in From the above 2 graphs, we can infer that our model
the investment portfolio. has worked well to

The model automatically arrives at asset allocation • Increase / Decrease Equity allocation to capture
between Equity & Debt, as the underlying fundamentals the market movement.
change. However, Equity & Debt portfolio shall be
managed actively by seasoned fund managers. This • Managing the allocation at the optimum level to
fund may be a valuable addition to your portfolio of deliver high risk adjusted returns.
Mutual Funds especially at a time when equity markets
• Lower volatility in returns.
are trading near all-time highs.

LIC MF BAF was launched in Nov-2021. Let’s look at The SIP performance of LIC MF Balanced Advantage

the results achieved by the fund: Fund Direct Growth Plan if ₹10,000 was invested
monthly on 1st working day of every month is as follows:

Duration 1 Year Since

Inception

Total Amount 1,20,000 2,10,000

Invested (₹)

Market Value as 1,28,041 2,31,786

on 31-Aug-23 (₹)

Source: NSE, LIC MF Returns 12.68% 11.23%

If we look at the above graph, we can infer that when Data as on 31-Aug-23, Source: MFI Explorer
the Nifty was at high, our allocation to equity was low
and vice-versa. Given the construct, designed, objective and the results
achieved by this product, I strongly believe every
If we compare the returns of LIC MF BAF with Nifty, LIC
investor should have this product in their portfolio. LIC
MF BAF gave an annualized return of 8.13% whereas
MF Balanced Advantage Fund (BAF) is an all-season
Nifty 50 TRI gave returns of 4.78%. If 1 lakh were
product to buy during market highs or lows. It is also
invested in LIC MF BAF NFO, it would have given 1.15
suitable to all types of investors from conservative to
lakhs whereas investment in Nifty 50 TRI would have
given 1.09 lakhs as on 31-Aug-23. moderate or aggressive investors. Happy investing!!

T. S. Ramakrishnan
Managing Director & CEO,
LIC MF
Source: NSE, LIC MF
E-mail: [email protected]

7 Yogakshema October 2023

 Are you a Human Leader?

K. Murlidar

Among the many things that got redefined post Being Traditional
pandemic, the important one is about the emerging
Traditional leaders are seen to be more business-like
style of leadership. Indeed, the leadership traits that
and authoritarian in nature. This makes them project an
are required to be adopted by the leaders of the day
image of authority with a right to demand performance
have undergone a massive change. From being a from their workforce. Moreover, this kind of leadership
traditional leader who always looks forward to action will heavily rely on routine and established processes
plan, timelines, performance, profitability, status report and metrics that are time tested. These leaders will
and results, today’s leader needs to be more astute in hardly ever encourage innovations and instead would
ensuring a proper ‘connect’ with his people. In other feel comfortable to operate within the defined scope.
words, leadership that puts ‘people first’ is the need of They seldom consider human factors and instead focus
the hour delivering magnificent results. This human- on schedule, task, workflow and follow-up to meet the
centered leadership has become inevitable after the targets. The following are some of the major drawbacks
pandemic has brought the leaders and workforce of the traditional leadership:
together through different models of work. Lockdowns • Resistance to change
practically tore down the barriers between the leaders
• Lack of encouragement and motivation
and their teams thereby a significant cultural change
started taking place in many organisations. Zoom, • Creating a sense of inequality among workforce

WebEx, Zoho and Google Meet have become order • Stifling creativity and innovation
of the day, connecting people across the organization • Lack of collaboration and alignment
and bringing them to work more cohesively for better
• Process-driven rather than growth-driven
outcomes. Famous football coach Vince Lombardi said
‘Build for your team a feeling of oneness, of dependence • Underperformance
on one another and of strength to be derived by unity’. Experience, work knowledge and conviction are no
Cultivating a real human connection in the workplace longer a necessity as the traditional leadership style
is no longer a soft skill, it is a hard necessity. Hence, a is said to be resulting in active disengagement of
humane leader is the one who can make the difference employees, as per a recent survey report. This affects
and let us analyse the significance of practicing human the profitability of the companies and disillusionment
leadership. among the staff members.

DekeÌìtyej 2023 ³eesie#esce 8

Why Human Leadership? of how workplace culture, work environment and team
dynamics create an “employee experience” that can
Building a healthy, motivated and productive workforce
impact the business. This fosters a sense of trust and
requires considerate and supportive leadership. Yet,
mutual respect in the team. This type of leadership
while 90% of HR leaders believe a human touch in
emphasizes empathy, emotional intelligence and
leadership is crucial to company success, only 29%
communication. Also, this is all about connecting with
of employees recognize their employer as a "human
the team on a deep level – acknowledging that everyone
leader," according to Gartner Research. Thus today’s
work environment requires leaders to be adaptive, has unique strengths and weaknesses, and deserves

empathetic and authentic – to exhibit more 'human' to be treated with love and respect. The major benefits
leadership,” says Gartner HR practice. Human-centered of a human leadership are:
leaders are in the habit of nurturing work environments • Better employee engagement. The State of the
that leave room for learning, understanding and our
Global Workplace - 2023 Report states that after
needs as human beings. Ultimately, this leadership
dropping in 2020 during the pandemic, employee
style acknowledges that fostering employee wellbeing
engagement is on the rise again, reaching a record-
can also lead to better business outcomes. The ever
high 23%. This means more workers found their
changing technological world that we live in, needs
work meaningful and felt connected to their team,
more human connection, collaboration and inclusion so
manager and employer
that employees feel that they are a part of the story of
the company. When this is applied to leaders and their • Provide for innovation and experimentation
teams, companies naturally gain competitive advantage
• Improved team functioning
in their operating space. Human Leadership principles
produce an environment where individual team • Foster a sense of belonging and community
members feel heard, valued and their differences are
respected. This ultimately generates an environment • Enable leadership development
of engagement, innovation and collaboration together • Increased empathy and inclusivity
with an alignment of common goals and visions
• Beneficial communication at all levels

MODERN TRADITIONAL
- Hierarchical (command and control)

VS
- Collaborative (relationship building)
- Focus on short term demands
- Focus on long-term performance
- Tangible assets/ things as the
- Human capital as the core resource core resource
- Morale and soft skills - Compliance and obedience
- Intrinsic rewards (feeling valued) - Externally-oriented rewards/
punishments

Thus, human leadership is the process of influencing

people to achieve a common goal with an emotional
Human leaders consider themselves to be ‘enablers’ touch. It involves setting a direction, taking action and
and often engage in beneficial conversations with their inspiring others to follow in an environment of mutual
employees. Human leaders have a keen understanding trust and collaboration

9 Yogakshema October 2023

Elements of Human Leadership 3. Authenticity: Displaying a high degree of honest
and genuine intentions is one of the critical traits
As we have seen earlier, pandemic has changed the
of a human leader. By being consistent in their
employers and workforce forever with a new work
actions, they will bring about a transparent decision
model taking over the traditional methods. Employees
making process ensuring a high degree of mutual
today are accustomed to working remotely or on hybrid
trust among the team members
schedules with greater flexibility and autonomy over their
work. Post pandemic, employees’ priority on health and 4. Vulnerability: Vulnerability is about taking the risks
wellness of themselves and their family also assumes to emotionally expose and open up ourselves to
significance in their workplace performance. Further, at others. It is also having the courage to authentically
present, we are undergoing an interesting generational express who we really are in front of and to others.
shift. With traditional leaders aka Baby Boomers, aging This creates an element of psychological safety
out of workforce, Millennials are entering leadership and mutual trust. Vulnerability in the workplace
and GenZ making into workforce! With these younger always creates connection and invites employees
generations set to take over sooner than later with to bring their authentic selves to work. Leaders who
different needs and expectations, leaders of the day model vulnerability often solicit feedback and take
need to be adept to the needs and evolve themselves time to self-reflect. They make it a point to choose
as human leaders. Let us see a few central tenets of transparency over control, relationships over
emerging human leadership style: hierarchies and wellbeing over productivity

1. Empathy: Putting the self in someone’s shoe and 5. Care: Displaying care and concern for team
being aware of the emotional state of others is a members and treating them as human beings rather
very important tenet of a ‘people leader’. He must than mere numbers mean a lot. It lays the foundation
be able to understand and share the feelings of their for building loyalty, trust and respect with the team.
team members and be empathetic. This leadership Employees who feel valued and respected are more
approach involves diagnosing, interrupting and satisfied, highly engaged and exhibit discretionary
innovating as a means of creating capabilities that efforts leading to success in their endeavors. In
align well with the aspirations of the members of the addition, leaders who care for their employees are
organisation perceived as more approachable, making it easier
to build strong ties and long-term relationships that
2. Humility: Human-centered leaders acknowledge
facilitate business growth. Leaders who demonstrate
their imperfections and actively engage those
genuine care and compassion in the workplace
who have the details needed to make decisions.
are boosting the corporate culture and setting the
They prioritize mentoring, coaching and learning
stage for like-minded behaviors throughout the
for themselves and their teams and encourage
organisation
collaboration and open-mindedness. They will make
it a point to appreciate employees’ progress and 6. Appreciation: Recognition is important for showing
are excited when they can help employees thrive. employees their value and belonging and a human
Overall, a human leader with humility will bring in a leader will never miss an opportunity to highlight
growth mindset in everyone around him the success of his team members. Identifying and

DekeÌìtyej 2023 ³eesie#esce 10

 motivating based on the performance go a long
way in propelling the positivity of the workforce. As
leaders help employees achieve their full potential,
it unleashes the power that people can provide to
an organization for sustained success

7. Diversity: Appreciating diversity and harnessing the

strengths of the workforce is another important trait
of human leadership. When there are employees
with diverse skill sets and expertise, a leader
has to approach things differently and find fresh
perspectives. He needs to recognize the importance
of diversity and aim to build teams that embrace it

8. Communication: Becoming a human leader

means opening and maintaining a transparent a humane! Further, highly engaged employees improve
communication with colleagues. This helps build their team’s performance by up to 27% and that is quite
a healthy and productive workforce with a higher significant. Such an inclusive environment ultimately
level of employee satisfaction and engagement. generates an environment of engagement, innovation
Leaders must effectively communicate their vision and collaboration together with an alignment of common
and inspire others to achieve a common goal and goals and visions. Human leaders with a people-first
this includes being clear, concise and consistent in philosophy are signaling their commitment to meeting
messaging at regular intervals the needs of their workforce and nurturing them from

9. Listening: Building relationships is critical for within to grow the leaders of tomorrow in the success

leaders because connections can help propel your journey of the company. Thus, human leadership is the

business to the next level. One of the most important ability to guide others without force into a direction or

skills for building relationships is being able to listen decision that leaves them still feeling empowered and

attentively. People feel valued and respected when accomplished, bringing out the best possible results. As

a leader takes the time to listen and process what nicely put up by the famous author Simon Oliver Sinek,

they are saying. This will demonstrate leader’s ‘Leadership is not about being in charge, but about

resolve that their colleagues are more than their job taking care of the people in your charge’! And this sums

titles. up it all!

The present day leaders need to adopt these tenets so as

to ensure a human-centered culture. Human leadership
is important to an organization because Gartner survey
K. Murlidar
has found a 37% increase in high engagement for those
ED (Digital Marketing / Digital Transformation)
employees who worked for a human leader compared to Central Office, Mumbai
those who worked for a leader that they did not consider E-mail: [email protected]

11 Yogakshema October 2023

 The One Who Cares, Complains

Kulbhushan Sharma

He sounded very upset, “Arey Yaar! Bhai ne complaint I asked him, “Pucca Na? He never raised a grievance?”
kar di meri!”. He went on to add, “I would have not felt
He said with a lot of confidence, “Yes! But why are
so bad, had he told me that he was having some issues!
you trying to play KBC with me? Why are you trying
But he never did and instead he has raised the issue
to confuse me? What is the difference between a
with the higher office.”
grievance and a complaint?”
“I do understand what you must have been feeling like!”
“The whole lot!” I quipped.
I tried to empathize.
It might sound like a class room teaching but it is
He continued, “But you know that, that’s not right!”
important to realize the difference between a complaint
“But I believe that it is not possible that he did not even and a grievance. Whereas any issue concerning you
try to tell you!” I insisted and asked, “Are you sure that raised with you for the resolution is a grievance, the
he never raised any grievance!” issue raised with someone else is a complaint. The
“Yes! He has never made a complaint earlier!” He grievance is the first indication or an alarm to set the
replied irritatingly. things right in a proactive way. Unfortunately, most of
the issues are not handled at the stage of grievance
“He must have!’ I replied ponderingly and added, “You and it generates complaints. The good news is that
might have missed that!” fortunately the affected party always tries to raise the
He was not convinced and he still lamented that he issue at the grievance stage. So, the mechanism to
always tried to resolve the complaints on urgent & redress the grievance has to be in place and so has to
immediate basis. be the system of the channels allowing the free flow of
the grievances.
This must be the first normal human reaction on every
‘complaint’ and that is understandable. The ‘complaint’ If we take clues from the real life examples, the things
here means, RTI Query, Complaint to the Higher are understood better and there are so many examples.
Authority, Legal Notice & Litigation and Reference to Let us think about a situation where the husband on
the Outside Agencies etc. The fact remains that nobody the way back to home from work is reminded by the
likes the ‘complaints’ and ironically, when we handle wife to bring curd but he forgets and reaches home.
such a large volume of work, there have to be mistakes, The wife raises the issue and the husband promises
omissions, errors, service deficiencies – unintentional to be careful in future. The grievance is resolved.
as well as intentional and of course there would be Unfortunately, the husband repeats the mistake again
grievances & complaints. and the wife raises the issue with the mother-in-law

DekeÌìtyej 2023 ³eesie#esce 12

and the husband is reprimanded. The husband realizes e-mails are not responded to as a general practice and
the mistake and commits to take care in future. The if at all there is a response the same is inconclusive.
complaint is resolved for the time being. Similarly, the Of course, the e-mail system within constraints has
wife serves food and there is an issue of salt being on some inherent issues responsible for the inadequate
the higher side. The husband raises the issue and the handling. The situation vis-à-vis the functional units
wife promises to be careful in future. The grievance is has certain in-built flaws but the same can be handled
resolved. Unfortunately, the wife repeats the mistake beautifully if all the concerned decide to do so. We have
again and the husband raises the issue with the just one e-mail ID for every functional unit coupled with
mother-in-law and the wife is reprimanded. The wife the individual e-mail ID’s to the employees. This system
realizes the mistake and commits to take care in future. can be used to have an e-mail administrator who
The complaint is resolved for the time being. Of course, would ‘mark’ & forward the e-mails to the individuals
in both the cases, there is no room for repeating the responsible for specific jobs. This could have layers
mistake in both the situations. of HOD’s-supervisors-frontline worker. The response
The above all is probably applicable to all the from the ‘dealing person’ putting his/her signatures &
organizations including the one we have been working contact details could be escalated to the administrator
for. Though there is a grievance redressal policy; the through the channel and forwarded to the customer. The
intentions too are good; probably, the system is not signatures would ensure a two way communication,
in place. Let’s examine the following aspects to bring if necessary in future. Sadly, yet another strong &
home the point and to understand the issues: important channel of communication is dysfunctional
and the grievance registration is paralysed.
Landline Phone: This used to be the most convenient
mode of contact and let us agree that even as on date Agent: The agent is an important link between the
most of the websites still highlight the land line numbers policyholders/claimants and the office but we generally
as the means of communication & contact. But, fail to recognize the same. The agent who brings any
unfortunately, not many offices bother to respond to complaint is considered negative. We sometimes
the landline calls. The simple reason is that we all have feel & react negatively to the agents coming forward
the access to the mobile phones – reimbursed or self- with the complex & complicated matters. We should
financed and we believe that people can contact us on actually be thankful to the agents for handling a certain
the same. Surprisingly, these numbers are not available considerable number of clients, thereby, preventing
to the customers and if at all these are available to the crowd of customers in the offices – servicing
them, we are not positively inclined to respond to the needs as well as premium collections. The agent
unknown numbers. There is yet another issue that the should be treated like a messenger but unfortunately,
landline phones in most of the organizations are not sometimes, the agents approaching the office on behalf
even working. In fact, gone are the days, when the entire of customers are considered as disturbance. Ironically,
office was dependent on the land line phones for the the agents not only act as cushions between the office
outward communications - official as well as personal and the customers; they also prevent the crowds in
– thereby necessitating the system to be functional all the offices. Though we are reaping the benefits of the
the time. So, an important channel of communication alternate channels of the premium collection, we are
is dysfunctional and the grievance registration is yet to realize that we do not have enough resources in
paralysed. place to handle such a large customer base without the
e-Mail: This the most powerful mode of communication support of the agents. Incidentally, the epic Ramayana
in the current situation. But many offices are not used does have a parallel where the Lord Hanuman visiting
to attending to the e-mails in a manner desired. The the King of Sri Lanka is not treated well. The brother of

13 Yogakshema October 2023

the Lankan King tries to intervene but it is ordered to set always feel bad about the complaints and the first
Lord Hanuman’s tail on fire and ‘Lanka Dahan’ follows. reaction is synonymous with feeling disturbed, if not
The fact that a messenger should be treated well is agonized about it. This is followed by the development
the moral of the whole story and the ‘Lanka Dahan’ of tendency of revengeful reaction to the complainant.
is symbolic of disruption & destruction in case of non The natural urge is to handle the complainant and not
adherence to the principle. the complaint. The complainant is considered to be an
enemy. Though it is natural, the conditioning can help
Miscellaneous: We have graduated to dedicated
us feel better on receiving a complaint if we consider
landline numbers, special mobile phone numbers,
the following points:
internet web-links & social media presence generating
the leads, WhatsApp mode of enquiry & services, SMS  The complaint is a compliment just because of
mode of raising requests and so on so forth. But these the reason that the complainant still believes that
all are dependent upon the first two options. we can help him; that we are competent enough
to resolve and/or that we deserve a chance. The
Internal Forums & Committees: When the customer
grievance is even bigger a compliment.
feels denied an audience through the established
channels, there is an effort to approach the internal  The person raising a grievance or a complaint is a
forums & committees. If the internal forums & friend in disguise. The person has not written us off.
committees are dysfunctional or the customer is not  The real enemy is the person who is not raising
even adequately informed regarding the same, the the issues because of a firm belief that we cannot
external forums are approached. do anything and snapping the ties to exit is the
only solution. This actually derails our customer
External Forums & Committees: When the internal
retention efforts severely.
mechanism fails and the external forums get involved,
the speed of resolution is relatively faster. It is not  The complaint is an opportunity to get the customer
a bad deal to resolve the matters reported to the back in the fold of the organization, provided, the
external forum in a speedy manner but the customer matter is resolved, if it could be resolved as per
preferences get reinforced and the conditioning results rules and if the matter is not resolved, a valid
in to a situation where the customers start approaching explanation is given, as to why it could not be.
the external forums. If we want to avoid the external This is good enough to bring home the point that the
forums, the internal forums have to be very efficient grievances and even the complaints are absolutely
& effective. In any case, even in case of an external necessary to keep the systems in place. The endeavor
forum complaint it requires the same set of resources to should be to redress & resolve and there should be no
handle the external forum complaints which would have reason to feel disturbed, inconvenienced, stressed or
handled the internal forum complaints. Unfortunately, scared of the same. The couplet from the renowned
the disadvantageous position makes the customer poet Sant Kabir Das summarizes it so beautifully:
feel that the organization works only when an external
forum is approached.
eEveoJeÀ efve³ejs jeefKeS, DeeBieve JegÀìer íJee³e,
efyeve Heeveer, meeyegve efyevee, efvece&ue JeÀjs megYee³e~
The above are only a few of the relevant points and
issues concerning the grievances & complaints,
especially, the ones which bring home the point that the Kulbhushan Sharma
complainants are genuinely interested in the solutions Secretary Audit,
and/or correct information and if that is ensured the ECZ, Patna
issues do not get complicated. Unfortunately, we E-mail: [email protected]

DekeÌìtyej 2023 ³eesie#esce 14

 Conference of Principals - Sales Training Centre
held on 29th August, 2023 at Guwahati

Shri M. Jagannath, Shri R. Sudhakar, Shri T. R. Sahoo, Shri P. C Mishra,

MD ED (Mktg./PD) & CMO Chief (Marketing) RM (Marketing), EZ

Conference in progress

Participants seen during the Conference Officials from CO and Host Division Guwahati

Honouring of STC Principals

STC Principals of SCZ STC Principals of SZ

STC Principals of NCZ STC Principals of CZ STC Principals of EZ

STC Principals of ECZ STC Principals of WZ STC Principals of NZ

15 Yogakshema October 2023

DekeÌìtyej 2023 ³eesie#esce 16
 Central Office

17 Yogakshema October 2023

 MDC Mumbai

Western Zone

DekeÌìtyej 2023 ³eesie#esce 18

 Central Zone

19 Yogakshema October 2023

 East Central Zone

DekeÌìtyej 2023 ³eesie#esce 20

 Eastern Zone

21 Yogakshema October 2023

 North Central Zone

DekeÌìtyej 2023 ³eesie#esce 22

 Northern Zone

23 Yogakshema October 2023

 South Central Zone

DekeÌìtyej 2023 ³eesie#esce 24

 Southern Zone

25 Yogakshema October 2023

 ceb®e Hej GHeefmLele ceeveveer³e ieCe

Þeer efmeOoeLe& ceneefvle, Þeer meefueue efJeéeveeLe, Þeer keÀceue kegÀceej, megÞeer efkeÀjCe IeF&,
DeO³e#e keÀe.efve. (cee.meb.efJe.) #es.Òe., He.#es. Òee.Òe. (cee.meb.efJe.)

meodYeeJevee Heef$ekeÀe keÀe efJecees®eve efJeefYeVe Yee<eeDeeW ceW efveieceieerle Heef$eJeÀe JeÀe efJecees®eve

Jeefjÿ DeefOeJeÀeefj³eeW JesÀ meeLe jepeYee<ee efJeYeeie

meceejesn ceW GHeefmLele oMe&keÀ ieCe

DekeÌìtyej 2023 ³eesie#esce 26

27 Yogakshema October 2023
 Singapore is an island country in Southeast Asia, just off
the Malay Peninsula and 85 miles north of the equator.
The name Singapore derived from the old Sanskrit name
Singa means Lion and Pura means place. The country
is young but well developed with leaning skyscrapers,
diverse communities and unique buildings. Singapore has
many cultures living within it, as a result there is a very
diverse way of life with people speaking many languages
and worshiping a number of different religions. Singapore
is warm and wet. The tropical rainforest climate means
that there are no actual defined seasons. The geographical
location means that the country has high humidity and
lots of rainfall, with around 92.1 inches each year. The
sun shines strongest in March, with the highest recorded
temperature at 36 degrees. Singaporeans dress in clothes
suitable for the heat and humidity, wearing T-shirts,
shorts and slippers. English is declared to be the nation’s
first language, however, Malay, Singaporean Mandarin
and Tamil are also the official languages of Singapore. The
main streets in Singapore are busy, colourful and filled
with the inviting aromas of street food. In the darkness
of night, the city of Singapore lightens up with its own
beauty. The stunning skyline reflects off the Singapore
River and illuminates the sky. The island is small and
the population is large at 5,312,400 and the people
of Singapore and tourists always choose the cheaper
alternative of travelling by bicycle, on foot, bus, train and
taxis. Singapore is a major international transport hub in
Asia, serving some of the busiest sea and air trade routes.

DekeÌìtyej 2023 ³eesie#esce 28

Changi airport is an aviation centre for Southeast Asia. Changi airport
hosts a new a network of over 100 airlines connecting Singapore to
some 300 cities in about 70 countries worldwide. The main tourist
attractions in Singapore are
1. Sentosa Island -Sentosa is a sunny island, home to exciting events,
themed attractions, lush rain forests & golden sand beaches.
2. Night Safari – The night safari, Singapore is the world’s first
nocturnal zoo.
3. Marina Bay sands - Marina Bay sand’s is an integrated resort
fronting Marina Bay in Singapore and a landmark of the city.
4. Cloud Forest – Home to one of the tallest indoor waterfalls and a
lush mountain clad with plants from around the world.
5. Gardens by the bay – One of the Asia’s premier horticultural
destinations, offers a scenic paradise for nature and photography,
6. Universal studios – Southeast Asia’s first and only movie theme
park is home to thrilling rides, family fun and beloved characters
from the Minions to the Autobots.
7. Sea Aquarium – The S E A Aquarium Singapore is one of the
world’s largest aquariums with over 100,000 aquatic animals
from over 1,000 species living in 50 different environments.
8. Jewel, Changi Airport – The Jewel at Changi Airport is a must see
if you are transiting through or staying in Singapore.

S. Venkatesan
AO, SDM Sect./CLIA
Chennai DO-II
E-mail: [email protected]

29 Yogakshema October 2023

 123779
86145

71039

197302 185734

54608

38446 56367

145681

Follow us :
LIC India Forever

DekeÌìtyej 2023 ³eesie#esce 30

 I Can Do It

Shelly Manhas

29TH May, 1963 is a day of glory in the history of Mt. with a single thought, of actually DOING IT. For that
Everest as Sir Edmund Hillary was successful in journey of positive self transformation, some of the
reaching this gigantic peak for the first time. Few of powerful tools that can be tried are: MEDITATION and
us, actually know that he was not able to do so during VISUALIZATION.
the first attempt. After an unsuccessful attempt, when
Meditation actually sets the required initial tone of our
he was invited for a press conference, he was given
mind by giving it inner peace and contentment from
a standing ovation. During the press conference, he
inside.
pointed towards a picture of Mt. Everest and said:
Under Meditation, we create:-
“O, Mount Everest, You have grown what all you could
THOUGHT FEELING EXPERIENCE
have by now but I will come back again and will defeat
you BECAUSE I AM STILL GROWING IN MY SPIRITS. That is, if we wish to go for any positive transformation,
we will first have to create a thought about it then an
When Sir Hilary was asked, “what was the greatest
associated feeling and finally we will be having an
challenge he faced during the entire Mount Everest
EXPERIENCE.
expedition?”
Meditation, in general, may not be helpful in this
He replied: “It was not the coldest temperature, it was
regard but an individual needs to create his or her own
not the LUGGAGE I was carrying with me, it was not
MEDITATION COMMENTARY towards achieving any
the WIND, it was not the HEIGHT but the greatest
desired transformation. This meditation commentary
challenge to face was, to convince myself that
needs to run in our mind daily towards achieving that
YES, I CAN DO IT...YES I CAN DO IT. desired goal.

As per the Chinese philosopher --Lao Tzu: VISUALIZATION is also a powerful tool to help us in
forecasting of the desired purpose, we wish to achieve.
THE JOURNEY OF THOUSAND STEPS BEGINS
Visualization is a simple technique that can be used to
WITH A SINGLE STEP.........
create a strong mental image of a future event. With
Our journey of positive transformation also begins good use of visualization, one can practice in advance

31 Yogakshema October 2023

for the event. This technique is used even by players for
improving their games.
Dece=le ceneslmeke Deepeeoer JeÀe
Our subconscious mind, does not understand the nj Iej uenjs eflejbiee
instructions given. It only says “YES” to whatever efJeÀlevee megboj ueies vepeeje
instructions we give to it. So, the basic science towards Deepeeoer JeÀer Dece=leOeeje
any positive transformation starts from the programming
peesMe ceW nw osMe meeje...~~Oe=~~
of your mind to “I CAN” instead of “I WILL”. Generally,
for any positive transformation, we are confused on the cesjer ceeìer cesje osMe
part that we need to change our behaviour but the real SJeÀ ner yeesueer efkeefYeVe kes<e
task required to do is to change our BELIEFS. efkeefkeOelee ceW pees ®eceJesÀ leeje
Yeejlekeemeer veece nceeje..~~1~~
Here also an interesting fact is that philosophy of life
works superbly on ADDITION and MULTIPLICATION. yeneogj nw meYeer pekeeve
In other words, whatever we desire actually from our kes osMe JeÀer DeodYegle Meeve
heart and bless, it actually MULTIPLIES itself and nj meom³e efJeÀlevee h³eeje
ADDS to our lives. So, KEEP GROWING. ³en JegÀìgbye meyemes v³eeje...~~2~~

ieleer JesÀ meeLe nes Òeieleer

nj cees[ hej veF& ®egveewleer
meHeÀuelee JeÀe efceues meneje

`efkeMkeieg©' nes osMe nceeje...~~3~~

Deepeeoer JeÀer Dece=leOeeje

peesMe ceW nw osMe meeje...
peesMe ceW nw osMe meeje...

ÞeOoe IeeCesJeÀj
Shelly Manhas G.Þes.me., jepeieg© veiej,
AO (CRM/PS), MeeKee - 957, hegCes ceb[ue - Š
E-mail: [email protected]
Jodhpur Division
E-Mail: [email protected]

DekeÌìtyej 2023 ³eesie#esce 32

 ceOegj ke®eve nw Deew<eefOe

ceveespe

DeelceevegYekeer JeÀyeerj ves "erJeÀ ner JeÀne nw- GodJessie ve hewoe JeÀjveskeeuee, efÒe³e, efnleJeÀejJeÀ Deewj mel³eYee<eCe leLee
Ssmeer yeeveer yeesefueS, ceve JeÀe Deehee Kees³e~ Meem$eeW JesÀ ef®evleve JeÀe DeY³eeme keeCeer mecyevOeer lehe JeÀne peelee nw~
Deewjve JeÀes Meerleue JeÀjs, DeehengB Meerleue nes³e~~ kemlegle: efÒe³e ceW megvoj JeÀe hetCe& Yeeke efveefnle jnlee nw Deewj efnle ceW
SJeÀ jepee ves Deheves cenue ceW DeeJeÀ<e&JeÀ ieesue meeræ{er yevekeeF&~ meejs ojyeejer efMeke JeÀe~ efÒe³e keeCeer mel³eced efMekeced megvojced JeÀer ef$ekesCeer mkeªhee nesJeÀj
osKeves ieS~ jepee ves je³e hetíer~ SJeÀ ®elegj hej kee®eeue ojyeejer ves leheeJeÀ meef®®eoevebo JeÀe Òeefleefyecye yeve peeleer nw~
mes GÊej efo³ee-cenejepe Deiej Deehe cenue JeÀer íle hej cej ieS lees Deehe cevegmce=efle JeÀnleer nQ ’ceveg<³e JesÀ meYeer JeÀe³e& keeCeer Üeje ner efve³ebef$ele
JeÀe Meke ueeves ceW lees yeæ[er efoJeÌJeÀle nesieer~ jepee ¬egÀà nes ie³ee~Gmeves nesles nQ~ Dele: keeCeer hej efve³eb$eCe nesvee DeekeM³eJeÀ nw~keeCeer hej efpemeJeÀe
lelJeÀeue Gme ojyeejer JeÀes neLeer JesÀ heeBke leues JegÀ®euekeeves JeÀe DeeosMe os DeefOeJeÀej veneR nw ken JewÀmes JeÀn meJeÀlee nw efJeÀ JeÀe³e& JeÀjles mece³e ken
efo³ee~ lelheM®eele SJeÀ Dev³e efkeveceÏ ke Oeerj ojyeejer ves jepee mes efvekesove Deheves Deehe ceW efmLele nw~“
efJeÀ³ee cenejepe nceejer jepeJegÀceejer peye yeejn iepe uebyes jlve-peefæ[le keeCeer hej efve³eb$eCe Keesves JesÀ yeeo ceveg<³e heeieueheve JeÀer efmLeefle ceW hengB®e
uenbiee ®egVeer JeÀes henveJeÀj Deheveer mensefue³eeW mebie Thej-veer®es Kesuevee peelee nw Deewj ÒeefleHeÀue ceW Òe³egÊeÀ JeÀ"esj ke®eve JesÀ ÒeefleJeÀej mkeªhe
®eensieer lees ken meeræ{er ceW GuePe peeSieer~ megveles ner jepee ÒemeVe nes ie³ee heM®eeleehe JeÀjves Deewj ceeHeÀer ceeBieves JesÀ Deueekee Dev³e efkeJeÀuhe veneR ye®elee
Deewj Gmeves Fme ojyeejer JeÀes hegjmJeÀej ceW neLeer osves JeÀe DeeosMe peejer JeÀj nw~
efo³ee~ ’yeeleeEn neLeer heeFS, yeeleeEn neLeer heeBke~“
Dele: meeceeefpeJeÀ Skeb k³eekemeeef³eJeÀ ªhe mes keeCeer SJeÀ cenÊkehetCe&
DevegJetÀue Deewj ceOegj keeCeer meyeJeÀes De®íer ueieleer nw,Òel³esJeÀ k³eefÊeÀ Dehevee efve³ev$eJeÀ nw~ keeJeÀheìglee Skeb yeesueves JeÀer JeÀuee efJeÀmeer k³eefÊeÀ JeÀes meye
meceLe&ve ®eenlee nw Deewj menevegYetefle JeÀer Dehes#ee JeÀjlee nw~ SJeÀ meble JeÀe JegÀí os meJeÀleer nw~hej keeCeer hej efve³eb$eCe nìles ner meye JegÀí ieBkeevee heæ[
JeÀLeve Gef®ele ner nw -DeefÒe³e ³ee JeÀ"esj ke®eve DenbJeÀej JeÀer hen®eeve nw~“ meJeÀlee nw~"erJeÀ ner JeÀne ie³ee nw-
efÒe³e Deewj efnleJeÀejer ke®eve JeÀes keeCeer JeÀe lehe JeÀne ie³ee nw pees meeOeJeÀ JeÀewkee efJeÀmeJeÀe Oeve nj ueslee, JeÀes³eue efJeÀmeJeÀes os osleer
JeÀes mel³eced efMekeced megvojced JesÀ ceeie& hej Deûemej JeÀjleer nw~ ieerlee JesÀ JesÀkeue ceer"s yewve megvee JeÀj, meyeJesÀ ceve JeÀes nj uesleer~
Devegmeej- DevegJetÀue Deewj ceOegj keeCeer meyeJeÀes De®íer ueieleer nw~Òel³esJeÀ k³eefÊeÀ Dehevee
DevegodJesieJeÀjb keeJe̳eb mel³eb efÒe³eefnleb ®e ³eled ~ meceLe&ve ®eenlee nw Deewj menevegYetefle JeÀer Dehes#ee JeÀjlee nw~ueesJeÀ Òe®eefuele
mkeeO³ee³eeY³emeveb ®ewke kee*dce³eb lehe G®³eles ~~ JeÀnekele nw - nce iegæ[ ve oW hej iegæ[ pewmeer yeele lees JeÀnW~

33 Yogakshema October 2023

SJeÀ jepee ves mkehve ceW osKee efJeÀ GmeJesÀ meye oeBle efiej ieS nQ~ Òeele: DeLekee DeMegYe ke®eve yeesuevee keeCeer JeÀe og©he³eesie nw, pees k³eefÊeÀ JesÀ
ojyeeefj³eeW mes mkehve JeÀe efveefnleeLe& peevevee ®eene~SJeÀ ojyeejer ves GÊej hejeYeke Skeb heleve JeÀe nsleg yeve peelee nw~
efo³ee- ’jepeve! Fme mkehve JeÀe HeÀue ³en nesiee efJeÀ DeeheJesÀ mecemle ceneYeejleJeÀej ves efueKee nw- ’keeCeer mes Yeer yeeCe-ke=ef<ì nesleer nw, efpemehej
heefjpeve DeeheJesÀ peerkeve JeÀeue ceW ner ce=l³eg JeÀes Òeehle nes peeSbies~“ ¬eÀgOo FmeJeÀer yeewíejW heæ[leer nw, ken efove jele og:Keer jnlee nw~“ ceneYeejle JesÀ
jepee ves GmeJeÀe efmej Oeæ[ mes Deueie JeÀjves JeÀer Dee%ee os oer~ leoghejevle cetue ceW ³egkejepe og³eexOeve JesÀ Òeefle G®®eeefjle êewheoer JeÀer DeefÒe³e keeCeer Leer
Dev³e ojyeejer ves Yeer efkeveceÏlee hetke&JeÀ GÊej efo³ee- ’jepeve! Deehe efJeÀ ’DebOes JeÀe heg$e DebOee ner neslee nw“, Fme DeefÒe³e JeÀLeve ves og³eexOeve JesÀ
Deheves mecemle heefjpeve JeÀer Dehes#ee oerIe&peerkeer neWies~“ jepee ves ÒemeVe nes cece& hej Ieeke efJeÀ³ee Lee pees GmeJeÀes Deepevce Deheceeve Skeb ÒeefleMeesOe JeÀer
hegjmJeÀej JeÀer Iees<eCee JeÀj oer~ Deeqive ceW peueelee jne ~
efJeÀjeleepeg&veer³e ceW Yeer ’efnleb ceveesneefj ogue&Yee³eeb“ JeÀer yeele JeÀner ie³eer nw~ kemlegleë JeÀìg ke®eve yeesuevee keeCeer JeÀe og©he³eesie nw,pees DeefkekesJeÀ cetueJeÀ
Kejer yeele JeÀnJeÀj efveMíue Skeb mhe<ìkeeoer nesves JeÀe oekee efceL³eeobYe nw nw~ DeefÒe³e keÊeÀe Òee³e: efkekesJeÀ JeÀer efmLeefle ceW Deheves Je=Àl³e hej heM®eeleehe
pees keemleefkeJeÀlee JeÀer De%eevelee JeÀe heefjCeece nw~ ceve JeÀer JeÀìglee mes ner JeÀjlee ke Deelceiueeefve ceW ieuelee jnlee nw~
JeÀìg ke DeefÒe³e keeCeer pevceleer nw~ keeCeer efke®eej JeÀer Devegieeefceveer nw, keeCeer `efÒe³e' yeesueves JeÀe DeLe& ve lees neB ceW neB efceueevee nw Deewj ve ®eeìgJeÀeefjlee
ceve JeÀe Òeefleefyecye nw~ Kejer yeele JeÀnves keeues Òee³e : nervelke JeÀer JegÀC"e DeLekee KegMeeceo JeÀjvee~ ®eeìgJeÀeefjlee DeLekee KegMeeceo mkeeLe& efmeefà JesÀ
mes ûeefmele nesles nQ~ efueS JeÀer peeleer nw Deewj ken Òee³e: efceL³ee Yee<eCe JeÀer meerceeDeeW ceW Dee peeleer
efve³eefcele keeCeer JeÀes DeefOeJeÀ meceLe& yeveeves JesÀ oes efkeefMe<ì Deewpeej nQ - nw, mkeeLe& efmeefà JesÀ efueS efJeÀmeer JeÀer ÒeMebmee JeÀjvee keeCeer JeÀe lehe veneR,
henuee megvevee Deewj otmeje ceewve,pees mece³eevegªhe Òe³egÊeÀ nesves ®eeefnS~ keeCeer JeÀe Deheceeve nw~leYeer lees JeÀne ie³ee-efÒe³e yeesuevee mel³e-Yee<eCe JeÀer
Mewueer nw Deewj ®eeìgJeÀeefjlee Demel³e Yee<eCe JeÀe SJeÀ ªhe nw~
efve³eefcele peerkeve ceW nceeje DeJeÌmej Fme DevegYeke mes meecevee neslee nw efJeÀ
DeefÒe³e yeesueves JeÀer Dehes#ee ®eghe jn peevee Þes³emJeÀj neslee nw~efJeÀmeer ves peerkeve JeÀes megKeer Deewj mece=à yeveeves JesÀ efueS nceW ³en met$e mcejCe jKevee
"erJeÀ JeÀne nw- ’³eefo Yee<ee cetu³ekeeve nw lees ®eghe jnvee Decetu³e nw~“ ®eeefnS efJeÀ ’mel³eb yeÏg³eeled efÒe³eb yeÏg³eeled ve yeÏg³eeled mel³eceefÒe³ece“ DeLee&led
efvehegCe kener nw pees Deheveer Fefvê³eeW ke YeekeYebefiecee JeÀe mener Ghe³eesie JeÀj mel³e Deewj efÒe³e yeesuees, mel³e Deewj DeefÒe³e cele yeesuees~
meJeÀlee nw~Je̳eeWefJeÀ peerYe lees ®eens pees JeÀnJeÀj cegKe JesÀ Yeerlej peeJeÀj ceOegj ke®eve nw Deew<eefOe, JeÀìgJeÀ ke®eve nw leerj~
megjef#ele nes peeleer nw Deewj heefjCeece Dev³e MejerjebieeW JeÀes Yeesievee heæ[lee nw~ ÞekeCe Üej »w meb®ejw, meeuew meJeÀue Mejerj~~
peerYeefj³ee ueæ[ yeekejer, JeÀefn ieF& mejie heleeue~ ceOegj ke®eve Þeeslee JeÀes ner veneR, yeesueves keeues JeÀes Yeer Meebefle Deewj megKe osles
Deehegefve lees Yeerlej ieF&, ieoJesÀ Keele JeÀheeue~~ nQ~ yeesueves keeues JesÀ ceve JeÀe DenbJeÀej Deewj obYe menpe ner efkeve<ì nes peelee
SJeÀ yeej oeBleeW ves peerYe mes JeÀne efJeÀ nce legcnW JeÀeì ueW lees legce Je̳ee nw~ GmeJeÀe ceve mke®í Deewj efvece&ue yeve peelee nw~ ken Deheveer efkeveceÏlee,
JeÀjesieer? peerYe ves JeÀne efJeÀ ceQ SJeÀ yeele Ssmeer yeesue otBieer efJeÀ legce meye efMe<ìlee Skeb meoe®eej mes meceepe ceW ³eMe, Òeefleÿe Deewj ceeve-mecceeve
leesæ[ efo³es peeDeesies - Òeehle JeÀjlee nw~

ovleeë keoefvle efpe»s lkeeb oMeeceë eEJeÀ JeÀefj<³eefme~ ceveespe

SJeÀceske ke®ees keef®ce ³et³eb mekex heefle<³eLe~~ ÒeMeemeefveJeÀ DeefOeJeÀejer
MeeKee JeÀe³ee&ue³e meguleevehegj
Deleë ceveg<³e JeÀes ce=ogYee<eer nesvee ®eeefn³es~ kemlegefmLeefle ³ener nw DeefMe<ì E-mail: [email protected]

DekeÌìtyej 2023 ³eesie#esce 34

 Digital Initiatives of LIC

Somashekar R.

The main reasons for LIC going the digital way is, for 2) Agents and CLIAs:
any organization faced with dwindling employees and a) Agents Recruitment Android App or through
increasing volume of work, the option left is, outsource intranet http://10.240.3.205/agt_reg/ for
some of the jobs (Policy bond printing), allow customers recruitment related activities.
DIY – Do It Yourself (online premium payment), keep
b) LIC Agents App for managing New Business.
all core functions with self. The other reason is BCP,
Authorization for Access for the same can be
Business Continuity Plan (Introduction of ANANDA
obtained from Branch in charge or through sales
app during Covid -19). The recent development after menu of eFeap module.
listing, to become ESG (Environmental, Social and
3) Development Officers: PRAGATI (Performance
Corporate Governance) compliant is another reason
Review Application Growth And Trend Indicator)
for emphasizing more on digitalization. Digitalization
portal helps to view MIS for New Business, related
helps in less usage of paper and increasing customer
to appraisal, related to Agents. It has got the
satisfaction by speedy delivery of service. Some of the
features of Growmax, Agency Business Tracker,
initiatives like SMS based services, toll free enquiry and
email, ANANDA MHR, NAV and Tools.
WhatsApp enabled services have evolved because of
customer demand. 4) Branch Marketing Officials:
a) Online portal PRATIDHI for MIS related to New
Digitalization innovations are catering to 5 categories
Business. The key features being Resource
of users:
Building, Prospective MDRT, NUA (New
1) Employees: eFEAP platform is upgraded in phase Underwriting Application), Persistency, Claims
II, for faster, stable & robust mode, eFEAP – Next and NAV of ULIPs.
project paves way for futuristic technologies and
b) MBA (Marketing Business Analytics) for lead
facilities RAM upgraded to enhance Efeap cloud
generation. Various reports can be generated
capabilities for new initiatives.
like, Customers not having Health Plan, Having
a) E-Darpan for specialized jobs. Single Policy, Did not buy policy in the last 5
b) LIC Gyanpeeth for knowledge up gradation. years, Untapped premium paying capacity,
PMVVY (Pradhan Mantri Vayo Vandana Yojana)
c) Email checking.
customer not having pension plan, Prospective
d) New Concurrencia module is auto approved, customer for ULIPs, Under insured customers,
coupon order auto generated. Prospective customers for annuity plan.
e) Medibuddy App on Play store for mediclaim 5) Customers: Online service delivery to customers is
management. available on LIC’s website;

35 Yogakshema October 2023

a) Customer enters as guest and executes few l) LIC’s Call Centre No. 022 6827 6827 is offering
elementary activities like enquiry about products 24X7 services.
and services as well as online payment of renewal m) LICHELP: Policy Holder needs to send SMS by
premium. keying “LICHELP<Pol. No.>to 9222492224 for
b) After registering in customer portal with login one Services like Premium Position, Vested Bonus,
can avail Basic Services of premium payment, policy Revival/loan/surrender quotation etc.
status, policy calendar, premium paid certificate etc. n) LIC sends various text SMSs to customers relating
c) Customers registered for premier services can avail to premium payment, claim and other services.
all Basic Services together loan, Policy / Proposal The procedure for registering for Basic services is,
image, Policy claim history, Address change, PAN through link:
registration, NEFT registration, Change of address,
https://licindia.in/Home-(1)/Customer-Portal-> New
ULIP fund switch etc.
User, Customers having policies on own life / life of
d) All these services can be availed through Mobile minor children can register. Inputs to be given are:
Application “LIC Digital” (4.5 rating). Policy number, Premium excluding tax, date of birth &
e) Say Hi on WhatsApp 8976862090 to get push mobile number.
notifications and pre defined message templates LIC’s ANANDA Application: Customers can buy policy
like: Premium due, Bonus information, Policy online and through ANANDA Application. Policy through
Status, Loan quotation, Loan repayment quotation, ANANDA gets auto completion (SUC up to 5 lacs, TRSA
Loan interest due, Premium paid certificate, ULIP up to 25 lacs & Non medical). Other proposals are
statement etc. competed through Efeap validation. In respect of Policy
f) Chat Bot – LIC Mitra: Artificial Intelligence enabled competed through ANANDA, Customer automatically
services like Policy due (FUP), Products, Download gets registered for Premier Services and hence gets
of forms, Branch locator, Contact information, the benefits and advantages of performing majority of
Customer support service like claims, revival, the services on DIY mode. ANANDA is associated with
nomination etc. auto uploading of EDMS image, updating of Mobile No.,
email id, NEFT and KYC, ensures 100% accuracy of
g) LIC Digi Zone - Kiosks installed at metros offer
data, eases offering of PS / Claim services, saves huge
sales and services to customers like buy policies on
cost on EDMS/ RMF/ Stationery expenses.
line, pay premium etc.
ANANDA initiative is environment friendly as it is free
h) Digilocker – Indian citizen who sign for digilocker
from emission of carbon, saves cutting of trees for paper,
account get dedicated cloud storage space linked
makes LIC, ESG compliant, Environment friendly-
to Aadhar number. LIC pushes electronic copies of
socially responsible and better Corporate Governance.
policy documents directly into citizens’ lockers.
A team headed by Chief Digital Officer, Sri Pradeep
i) LIC’s Jeevan Saakshya Mobile Application Pandey (Ex Axis Bank Executive) is working on further
digitalizes existence certificate generation process improvements in LIC’s digital presence.
and enables the pensioners to submit the certificate
All our efforts are directed towards popularizing these
from the comfort of their home.
Applications among customers community.
j) LIC is present in all social media: facebook, Twitter, (Source: Presentation in EEP)
Instagram & Youtube by name LIC India forever –
Kindly follow.
Somashekar R.
k) Payment of renewal by swiping debit and credit AO, CLIA & MBAC Department,
cards at POS, Point Of Sales machines installed at Shivamogga DO, SCZ
select Branches and premium points. E-mail: [email protected]

DekeÌìtyej 2023 ³eesie#esce 36

 Vigilance – A Social Revolution

P. K. Srivastava

Vigilance is a powerful tool to protect our social Corruption, Fraud, Bribery, Nepotism have made their
responsibility towards our Nation building. It starts from own nests in Central & State Offices, Which we all
our home to school, college, Office and so on till our should have to demolish effectively . In this connection,
last breath. It is like Mathematics to solve all problems Central & State Governments have formed various
in a big way . It is like Commerce to make trial Balance agencies like CBI, Central Vigilance Commission,
without any error. It is also like Art to learn from our Enforcement Directorate, Lokpal, Lokayukt etc to crack
ancient civilized society. It is like Philosophy to spread down on these social evils. Various guidelines are
its positive vibes among People. issued from time to time by the Government of India.
During Vigilance Awareness Week, a pledge is taken by
“You must always be very cautious and be as vigilant
all office workers to fight against Corruption.
as you Can. You work diligently to provide a secure and
healthy environment.” We all have to be vigilant ourselves as a responsible
Citizen but above all we have play an important role
- Daryl Hall
in rooting out these social curse. Along with this, it is
Our Eyes should be like an Eagle to watch all micro our duty to punish these anti social corrupt elements
things from far far away. Vigilance is the mirror of the who hinder the development of the Nation. Weapons
society where you can check your internal face . It starts like Transparency, Honesty, Integrity, Ethics, and
from our Home and reaches the next stage with social Truthfulness can only be the basis of our Vision
moral Principles. Right from the Birth of a child, his “Corruption free India”. Every citizen has to adopt this
mother is filled with vigil caring spirit. The watchful eyes as his first duty only then we will be able to contribute
of the mother are with child every moment otherwise something to the progress of the Nation.
there may be possibility of an unwanted incident. Not PM Sri Narendra Modi ji quoted “Corruption and
only Humans but Animals are also very familiar with Nepotism are among the biggest two challenges for
these aspects of Vigilance. Lion family is very alert India. Corruption is eating up my country like Termites.
and vigil during its hunting, otherwise they may have to And Nepotism is snatching opportunities from all ……….
starve. Our vigil eyes play a major role in making us a even dynastic politics – Let’s pledge to rid India of this.”
responsible citizen towards the society. In the present
scenario, a hurdle in the form of corruption has made its
way between social and moral principles. As a vigilance P. K. Srivastava
deterrent, many households have now started resorting AO, (Vigilance)
to Spies. CCTV, Spy cameras are being installed at Bhopal, CZ
main entrance of homes and offices. E-mail: [email protected]

37 Yogakshema October 2023

 PeueefkeÀ³eeB NORTH CENTRAL ZONE
Events

Þeer Deeefol³e ieghlee, JeÀe.efve. (efve.meb.) keejeCemeer ceW Dee³eesefpele GÊej ceO³e #es$e JesÀ ÒeyebOekeÀ Þeer Deej. megOeeJeÀj, JeÀe.efve. (efkeheCeve) Skeb Þeer Deeefol³e ieghlee, JeÀe.efve. (efve.meb.) Üeje cesjþ ceb[ue
(efke¬eÀ³e) Skeb GlHeeo ÒeyebOekeÀ kesÀ meccesueve JeÀes mebyeesefOele JeÀjles ngS ~ meeLe ceW nQ Þeer Deej. megOeeJeÀj, JesÀ Þeer JesÀ. JesÀ. meJeÌmesvee, ÒeyebOeJeÀ (efke¬eÀ³e), Þeer jepesMe iebYeerj, ÒeyebOeJeÀ (efke¬eÀ³e) SJeb Þeer mebpe³e
JeÀe.efve. (efkeheCeve), Þeer Deej. Heer. ieghlee, #es.Òe., G.ce.#es., Þeer Heer. JesÀ. meJeÌmesvee, Òee.Òe. (efJeHeCeve) efceÞee, GlHeeo ÒeyebOekeÀ JeÀes mecceeefvele efJeÀ³ee ie³ee ~ meeLe ceW nQ Þeer Deej. Heer. ieghlee, #es.Òe., G.ce.#es.,
Skeb Þeer efkekesJeÀ Mecee&, Òee.Òe. (efve.meb.) ~ Þeer Heer. JesÀ. meJeÌmesvee, Òee.Òe. (efJeHeCeve) Skeb Þeer efkekesJeÀ Mecee&, Òee.Òe. (efve.meb.)~
Shri Aditya Gupta, ED (CC) addressing Conference of Managers Shri R. Sudhakar, ED (Mktg.) and Shri Aditya Gupta, ED (CC) honouring
(Sales) & Product Managers of North Central Zone at Varanasi. Also Shri K. K. Saxena, Manager (Sales), Shri Rajesh Gambhir, Manager
present Shri R. Sudhakar, ED (Mktg.), Shri R. P. Gupta, ZM, NCZ, (Sales) and Shri Sanjay Mishra, Product Manager of Meerut Division.
Shri P. K. Saxena, RM (Mktg.) and Shri Vivek Sharma, RM (CC). Also present Shri R. P. Gupta, ZM, NCZ, Shri P. K. Saxena, RM (Mktg.)
and Shri Vivek Sharma, RM (CC).

Þeer Deej. megOeeJeÀj, JeÀe.efve. (efkeheCeve) Skeb Þeer Deeefol³e ieghlee, JeÀe.efve. (efve.meb.) Üeje keejeCemeer Þeer Deej. Heer. ieghlee, #es.Òe., G.ce.#es. keejeCemeer ceb[ue JesÀ ÒeLece MeeKee ÒeYeejer Skeb efkeYeeieeO³e#e
ceb[ue JesÀ Þeer meboerhe ®ebêce, ÒeyebOeJeÀ (efke¬eÀ³e) SJeb Þeer Deefcele JegÀceej Þeerkeemleke, GlHeeo ÒeyebOekeÀ keÀes meccesueve JeÀes mebyeesefOele JeÀjles ngS ~ meeLe ceW nQ Þeer Heer. JesÀ. meJeÌmesvee, Òee.Òe. (efJeHeCeve), Þeer efkeveeso
mecceeefvele efJeÀ³ee ie³ee ~ meeLe ceW nQ Þeer Deej. Heer. ieghlee, #es.Òe., G.ce.#es., Þeer Heer. JesÀ. meJeÌmesvee, JegÀceej, Je.ceb.Òe., keejeCemeer Skeb Dev³e DeefOeJeÀejer ~
Òee.Òe. (efJeHeCeve) Skeb Þeer efkekesJeÀ Mecee&, Òee.Òe. (efve.meb.)~
Shri R. Sudhakar, ED (Mktg.) and Shri Aditya Gupta, ED (CC) honouring Shri R. P. Gupta, ZM, NCZ addressing the participants of 1st Conference
Shri Sandeep Chandram, Manager (Sales) and Shri Amit Kumar of Branch In-Charges & HODs of Varanasi Division. Also present
Srivastava (Product Manager) of Varanasi Division. Also present Shri P. K. Saxena, RM (Mktg.), Shri Vinod Kumar, SDM, Varanasi and
Shri R. P. Gupta, ZM, NCZ, Shri P. K. Saxena, RM (Mktg.) and Shri Vivek other officials of Varanasi Divison.
Sharma, RM (CC).

Þeer Deej. Heer. ieghlee, #es.Òe., G.ce.#es., Þeer efkeJeÀeme Þeerkeemleke, MeeKee ÒeyebOeJeÀ, MeeKee ceb[gDee[ern Þeer Deej. Heer. ieghlee, #es.Òe., G.ce.#es., Þeer Heer. JesÀ. meJeÌmesvee, Òee.Òe. (efJeHeCeve), Þeer ceveespe JegÀceej
JeÀes mecceeefvele JeÀjles ng³es ~ meeLe ceW nQ Þeer Heer. JesÀ. meJeÌmesvee, Òee.Òe. (efJeHeCeve), Þeer efkeveeso JegÀceej, ÒeYeeJeÀj, Je.ceb.Òe., yejsueer, Þeer ìer. Sue. Meen, Òee®ee³e& (efJe.Òe.JeWÀ.), yejsueer SJeb Dev³e Jeefjÿ DeefOekeÀejer
Je.ceb.Òe., keejeCemeer Skeb Dev³e DeefOeJeÀejer ieCe~ ieCe yejsueer ceb[ue JesÀ ÒeLece ceb[ueer³e efJeYeeieeO³e#e SJeb MeeKee ÒeyebOeJeÀ meccesueve ceW GHeefmLele nQ ~
Shri R. P. Gupta, ZM, NCZ honouring Shri Vikas Srivastava, Branch Shri R. P. Gupta, ZM, NCZ alongwith Shri P. K. Saxena, RM (Mktg.),
Manager, Manduadih BO. Also present Shri P. K. Saxena, RM (Mktg.), Shri Manoj Kumar Prabhakar, SDM, Bareilly, Shri T. L. Shah, Principal
Shri Vinod Kumar, SDM, Varanasi and other officials. (STC), Bareilly and other senior officials at 1st Conference of Divisional
HODs and Branch In-Charges of Bareilly Division.

DekeÌìtyej 2023 ³eesie#esce 38

 NORTH CENTRAL ZONE PeueefkeÀ³eeB
Events

Þeer Deej. Heer. ieghlee, #es.Òe., G.ce.#es. efoveebkeÀ Š6 Deewj Š7 efmelebyej, ŠˆŠ‹ JeÀes osnjeotve ceW Dee³eesefpele Þeer Deej. Heer. ieghlee, #es.Òe., G.ce.#es. osnjeotve ceW JeerDeeF&Heer iesmì neGme JesÀ GodIeeìve JesÀ oewjeve
`ceerì pes[Sce' Òeefle³eesefielee meccesueve JeÀes mebyeesefOele keÀjles ngS ~ meeLe ceW nQ Þeer Heer. JesÀ. meJeÌmesvee, GHeefmLele nw~ meeLe ceW nQ Þeer Heer. JesÀ. meJeÌmesvee, Òee.Òe. (efJeHeCeve) SJeb Þeer DeeueesJeÀ ieghlee, Je.ceb.Òe.,
Òee.Òe. (efJeHeCeve) SJeb Þeer DeeueesJeÀ ieghlee, Je.ceb.Òe., osnjeotve ~ osnjeotve ~
Shri R. P. Gupta, ZM, NCZ addressing 'MEET ZM' Conference held on 26 Shri R. P. Gupta, ZM, NCZ during the inauguration of the VIP Guest
& 27 September, 2023 at Dehradun. Also present Shri P K Saxena, RM house at Dehradun. Also present Shri P K Saxena, RM (Mktg.) and
(Mktg.) and Shri Alok Gupta, SDM, Dehradun. Shri Alok Gupta, SDM, Dehradun.

EAST CENTRAL ZONE

efoveebkeÀ ‰Œ.ˆ‘.ŠˆŠ‹ keÀes YegJeveséej ceW ÒeyebOeJeÀ (efJe¬eÀ³e), GlHeeo ÒeyebOeJeÀ SJeb Òee®ee³e& (ceb.Òe.JesÀ.) Þeer jepesMe JegÀceej SsueeJeeoer, JeÀe.efve. (efJeefOe), Þeer ÞeJeCe JegÀceej, #es.Òe., Het.ce.#es. SJeb Þeer Depe³e
meccesueve ŠˆŠ‹-ŠŒ kesÀ oewjeve Þeer ÞeJeCe JegÀceej, #es.Òe., Het.ce.#es., Þeer Deeefol³e ieghlee, JeÀe.efve. JegÀceej, Òee.Òe. (efJe. SJeb Dee.meb.efJe.efJe.), Het.ce.#es., efoveebkeÀ ˆ8.ˆ‘.ŠˆŠ‹ JeÀes YegJeveséej ceW Dee³eesefpele
(efve.meb.), Þeer Deej. megOeeJeÀj, JeÀe.efve. (efJeHeCeve), Þeer ye´pesvê JegÀceej eEmen, Òee.Òe. (efve.meb.) SJeb ÒeyebOeJeÀeW (efJe. SJeb Dee.meb.efJe.efJe.) meccesueve JesÀ oewjeve ~
Þeer meveespe JegÀceej, Òee.Òe. (efJeHeCeve) ~
Shri Shrawan Kumar, ZM, ECZ, Shri Aditya Gupta, ED (CC), Shri Rajesh Kumar Ailawadi, ED (Legal), Shri Shrawan Kumar, ZM, ECZ
Shri R. Sudhakar, ED (Mktg.), Shri Brajendra Kumar Singh, RM (CC) and Shri Ajay Kumar, RM (L&HPF), ECZ during Managers (L&HPF)
and Shri Sanoj Kumar, RM (Mktg.) during Manager (Sales), Product Conference held on 08/09/2023 at Bhubaneswar.
Manager & Principal (DTC) Conference 2023-24 held at Bhubaneswar
on 14.09.2023.

Þeer DeeMeglees<e JegÀceej, Òee.Òe. (ceg.peer.yeer.me.), Het.ce.#es. efoveebkeÀ ˆ8.ˆ‘.ŠˆŠ‹ JeÀes JeÀìJeÀ ceW Þeer mebpeerJe JegÀceej, Je.ceb.Òe., cegpeHeÌHeÀjHegj mJemLe Yeejle DeefYe³eeve JesÀ lenle mJeemL³e efMeefJej JesÀ
Dee³eesefpele Meer<e& JeÀueeJeÀej meerSueDeeF&S ceerì ceW menñeJeerj meerSueDeeF&S JesÀ ªHe ceW GYejves JesÀ efueS oewjeve mJeemL³e peeb®e JeÀjeles ngS~
Þeer jbpeve JegÀceej ÒeOeeve, meerSueDeeF&S, HeÆecegb[F& JeÀes mecceeefvele JeÀjles ngS ~
Shri Ashutosh Kumar, RM (CLIA), ECZ honouring Shri Ranjan Kumar Shri Sanjeev Kumar, SDM, Muzaffarpur doing health checkup in health
Pradhan, CLIA, Pattamundai for emerging as Sahasraveer CLIA in Top camp under Swasth Bharat Campaign.
Performer CLIAs’ Meet held at Cuttack on 08.09.2023.

39 Yogakshema October 2023

 PeueefkeÀ³eeB EASTERN ZONE
Events

Þeer Sce. peieVeeLe, Òe.efve., efoveebJeÀ Š‰.ˆ‘.ŠˆŠ‹ JeÀes JeÀesueJeÀelee ceW Dee³eesefpele efJeHeCeve ÒeyebOeJeÀeW Þeer Depe³e JegÀceej, #es.Òe., Het.#es., efoveebJeÀ ŠŠ.ˆ‘.ŠˆŠ‹, JeÀesueJeÀelee ceW ÒeyebOeJeÀ (efJeHeCeve) SJeb
JesÀ meccesueve JeÀes mebyeesefOele JeÀjles ngS~ meeLe cebs nQ Þeer Depe³e JegÀceej, #es.Òe., Het.#es. SJeb Þeer Heer. meer. GlHeeo ÒeyebOeJeÀeW JesÀ meccesueve JeÀes mebyeesefOele JeÀjles ngS ~ meeLe ceW nQ Þeer Deej. megOeeJeÀj, JeÀe.efve.
efceÞee, Òee.Òe.(efJeHeCeve), Het.#es. ~ (efJeHeCeve), Þeer Deeefol³e ieghlee, JeÀe.efve. (efve.meb.) SJeb Þeer Heer. meer. efceÞee, Òee.Òe. (efJeHeCeve) ~
Shri M. Jagannath, MD, addressing in the Marketing Managers’ Sri Ajay Kumar, ZM, EZ addressing in the Manager(Sales) Conference,
Conference, 2023-24 held at Kolkata on 21.09.2023. Also present Shri 2023-24 held at Kolkata on 22.09.2023. Also present Shri R. Sudhakar,
Ajay Kumar, ZM, EZ and Shri P. C. Mishra, RM (Mktg), EZ. ED (Mktg.), Shri Aditya Gupta, ED (CC) and Shri P. C. Mishra, RM (Mktg.).

Þeer Depe³e JegÀceej, #es.Òe., Het.#es., efoveebJeÀ ‰‘.ˆ‘.ŠˆŠ‹, JeÀesueJeÀelee ceW Jeefjä k³eeHeeefjJeÀ men³eesieer Þeer Depe³e JegÀceej, #es.Òe., Het.#es., efoveebJeÀ ‰5.ˆ‘.ŠˆŠ‹, JeÀesueJeÀelee ceW Dee³eesefpele DeefYeJeÀlee&DeeW JesÀ
SJeb SueDeeF&meer men³eesieer JeÀer yewþJeÀ JeÀes mebyeesefOele JeÀjles ngS ~ meeLe cesb nw Þeer yeer. oeme, Je.ceb.Òe., cesiee ceerì JeÀes mebyeesefOele JeÀjles ngS~ meeLe ceW nQ megÞeer Sve. YeÆe®ee³e&, Je.ceb.Òe. SJeb Dev³e DeefOeJeÀejer
kesÀ.Sme.[er.Dees. SJeb Dev³e DeefOeJeÀejer ieCe ~ ieCe~
Sri Ajay Kumar, ZM, EZ addressing the Senior Business Associates’ and Shri Ajay Kumar, ZM, EZ, addressing the Mega Meet of Agents of
LIC Associates’ Meet of KSDO Division held at Kolkata on 19.09.2023. KMDO-II Division on 15.09.2023. Also present Ms. N. Bhattacharya,
Also present Shri B. Das, SDM, KSDO and other officials. SDM and other officials.

WESTERN ZONE

Þeer JeÀceue JegÀceej, #es.Òe., He.#es., ieebOeerveiej ceb[ue ceW ieesu[ve pegyeueer ÒeespesJeÌì lenle mJetÀue yeme JeÀes Þeer jcesMe ÒeYeg, meef®eJe (efJeÊe SJeb uesKee), keWÀ.keÀe. Deewj Dev³e Jeefjÿ DeefOeJeÀeefj³eeW JeÀer GHeeqmLeefle ceW,
megHego& JeÀjles ngS~ meeLe ceW nQ Þeer ceOegJeÀj DemLeevee, Je.ceb.Òe. SJeb Dev³e DeefOeJeÀejer ieCe~ Þeer efJeJesJeÀ osMecegKe, Je.ceb.Òe, JeÀesuneHegj ceb[ue ves efoveebkeÀ ˆŒ.ˆ‘.ŠˆŠ‹ JeÀes HeerDeesSme ìe|ceveue
([sefyeì / ¬esÀef[ì JeÀe[& Deewj Je̳etDeej JeÀes[ JesÀ ceeO³ece mes veJeerveerJeÀjCe Òeerefce³ece JeÀe mebûen) JesÀ
GVe³eve JeÀe GodIeeìve efJeÀ³ee~ JeÀesuneHegj meeryeerDees-I (‘Œ7), ceb[ue JeÀer Henueer Hee³eueì MeeKee nQ~
Shri Kamal Kumar, ZM, WZ, handing over the bus under LIC GJF Project In the presence of Shri Ramesh Prabhu, Secretary (F&A), CO and
at Gandhinagar Division. Also present Shri Madhukar Asthana, SDM, other senior officials, Shri Vivek Deshmukh, SDM, Kolhapur Division
Gandhinagar Division and other Officials. inaugurated Upgradation of POS Terminal (Collection of Renewal
Premium through Debit / Credit Card & QR Code) on 04.09.2023 at
Kolhapur CBO-I (947), first Pilot Branch of Division.

DekeÌìtyej 2023 ³eesie#esce 40

 NORTHERN ZONE PeueefkeÀ³eeB
Events

Þeer Sce. peieVeeLe, Òe.efve., ÒeLece efJeHeCeve ÒeyebOeJeÀeW JesÀ meccesueve keÀes mebyeesefOele JeÀjles ngS~ meeLe ceW nQ Þeer pes. Heer. Sme. yepeepe, #es.Òe., G.#es.
SJeb Dev³e Jeefjÿ DeefOekeÀejerieCe ~

Shri M. Jagannath, MD addressing the 1st Marketing Managers’ Conference of North Zone on 22.09.2023 at Delhi.
Also present Shri J.P.S. Bajaj, ZM, NZ, Shri Piyush, RM (Mktg.), NZ and Shri Ashok Kumar, Secretary (Mktg.).

Þeer Deej. megOeeJeÀj, JeÀe.efve. (efkeheCeve) Skeb Þeer Deeefol³e ieghlee, JeÀe.efve. (efve.meb.) JeÀer DeO³e#elee ceW Þeer Deeefol³e ieghlee, JeÀe.efve. (efve.meb.), Deceãlemej ceW GÊej #es$e JesÀ ÒeyebOeJeÀ (efJe¬eÀ³e) JesÀ meccesueve JeÀes
efoveebJeÀ ‰8.ˆ‘.ŠˆŠ‹ JeÀes Deceãlemej ceW GÊej #es$e JesÀ ÒeyebOeJeÀ (efJe¬eÀ³e) JesÀ meccesueve JeÀe Dee³eespeve mebyeesefOele JeÀjles ngS ~ meeLe ceW nQ Þeer Deej. megOeeJeÀj, JeÀe.efve. (efkeheCeve), Þeer pes. Heer. Sme. yepeepe,
efJeÀ³ee ie³ee ~ meeLe ceW nQ Þeer pes. Heer. Sme. yepeepe, #es.Òe., G.#es. ~ #es.Òe., G.#es. SJeb Dev³e Jeefjÿ DeefOekeÀejerieCe ~

Shri R. Sudhakar, ED (Mktg.) and Shri Aditya Gupta, ED (CC) presided Shri Aditya Gupta, ED (CC) addressing the Manager (Sales) Conference
over the Manager (Sales) Conference at Amritsar on 18.09.2023. Also at Amritsar. Also present Shri R. Sudhakar, ED (Mktg.), Shri J.P.S. Bajaj,
present Shri J.P.S. Bajaj, ZM, NZ. ZM, NZ and other senior officials.

ÒeLece MeeKee/mewìsueeF&ì keÀe³ee&ue³e ÒeYeejer / efJeYeeieeO³e#e meccesueve JeÀer yewþJeÀ efoveebkeÀ ‰‹.ˆ‘.ŠˆŠ‹ Þeer JewÀueeMe veeje³eCe k³eeme, Je.ceb.Òe., yeerkeÀevesj Debleje&ä^er³e Jeefjÿ veeieefjJeÀ efoJeme ceW Yeeie uesles ngS~
JeÀes Þeer pes. Heer. Sme. yepeepe, #es.Òe., G.#es. SJeb Òee.Òe. (efJeHeCeve) JeÀer DeO³e#elee ceW Dee³eesefpele JeÀer Fme Dee³eespeve JeÀes SueDeeF&meer SJeb SmeyeerDeeF& Üeje Òee³eesefpele efJeÀ³ee ie³ee Lee~
ieF&~ meeLe ceW nQ Dev³e DeefOeJeÀejer ieCe~

Shri J.P.S. Bajaj, ZM, NZ and RM (Mktg.) during 1st HOD of Division and Shri K. N. Vyas, SDM, Bikaner attending International Senior Citizen day
BO/SO Incharges meet held on 13.09.2023. Also present other officials. on 01.10.2023. LIC and SBI jointly sponsored this event in Bikaner.

41 Yogakshema October 2023

 PeueefkeÀ³eeB SOUTH CENTRAL ZONE
Events

megÞeer efceveer DeeF&He, Òe.efve., efoveebkeÀ Š5.ˆ8.ŠˆŠ‹ JeÀes efJeMeeKeeHeÆvece ceW Dee³eesefpele `Dee@vej yee³e megÞeer efceveer DeeF&He, Òe.efve. JeÀer GHeeqmLeefle ceW Þeer Sue. JesÀ. Meecemegboj, #es.Òe., o.ce.#es., efoveebkeÀ
cewveseEpeie [e³ejsJeÌìj' JesÀ JeÌJeeueerHeÀe³eme& JeÀes mecceeefvele keÀjles ngS ~ meeLe ceW nQ Þeer Sue. JesÀ. Meecemegboj, Š5.ˆ8.ŠˆŠ‹ JeÀes efJeMeeKeeHeÆvece ceW Hes.me.³ees. efJeHeCeve DeefOeJeÀeefj³eeW JeÀes mebyeesefOele keÀjles ngS~ meeLe
#es.Òe., o.ce.#es. ~ ceW nQ Dev³e Jeefjÿ DeefOekeÀejer ieCe ~

Ms. Mini Ipe, MD honouring the Qualifiers of ‘Honour By Managing In the presence of Ms. Mini Ipe, MD, Shri L. K. Shamsunder, ZM,
Director’ in the presence of Shri L. K. Shamsunder, ZM, SCZ at SCZ addressing the P&GS Marketing Officials at Visakhapatnam on
Visakhapatnam on 25.08.2023. 25.08.2023. Also present other senior officials.

efoveebkeÀ ‰5.‘.ŠˆŠ‹ JeÀes o.ce.#es. JesÀ DeefYe³eebef$ekeÀer efJeYeeie JesÀ meccesueve JesÀ oewjeve Þeer DeªHe JegbÀ[t, efoveebkeÀ ‰‰.ˆ‘.ŠˆŠ‹ JeÀes nwojeyeeo ceW meerSueDeeF&S ceb[ue efJeHeCeve DeefOeJeÀejer³eeW JesÀ meccesueve ceW
JeÀe.efve. (ceg.De.), Þeer Sue. JesÀ. Meecemegboj, #es.Òe., o.ce.#es. SJeb Þeer Sce.Sce.Heer. ÞeerefveJeeme jeJe, Þeer Sue. JesÀ. Meecemegboj, #es.Òe., o.ce.#es. SJeb Òee.Òe. (ceg.peer.yeer.me.) JeÀer GHeeqmLeefle ceW Þeer HebJeÀpe
ceg.De.~ ieesHeeue, JeÀe.efve. (ceg.peer.yeer.me.) Üeje meerSueDeeF&S ceb[ue efJeHeCeve DeefOeJeÀejer³eeW JeÀes mecceeefvele efJeÀ³ee
ie³ee ~
Shri Arup Kundu, ED (Engg.), Shri L. K. Shamsunder, ZM, SCZ and CLIA DMOs honoured by Shri Pankaj Gopal, ED (CLIA) in the presence
Shri MMP Srinivasa Rao, CE attending the Conference of Engineering of Shri L. K. Shamsunder, ZM, SCZ and RMs(CLIA) of South Central
Department of SCZ on 15-9-2023. Zone in the Conference of CLIA DMOs at Hyderabad on 11.09.2023.

Þeer Sue. JesÀ. Meecemegboj, #es.Òe., o.ce.#es. efoveebkeÀ Š‹.ˆ‘.ŠˆŠ‹ JeÀes OeejJeeæ[ ceW Dee³eesefpele #es$e JesÀ efJeJeÀeme DeefOeJeÀeefj³eeW JesÀ efueS ceerì Sb[ ûeerì Sce[er JeÀvJeWMeve ŠŠ.ˆ‘.ŠˆŠ‹ JeÀes nesmeHesì
efJeYeeieeO³e#eeW SJeb yeerSceDees JeÀer yewþJeÀ keÀes mebyeesefOele keÀjles ngS ~ ceW Dee³eesefpele efJeÀ³ee ie³ee Lee~ Þeer Sue. JesÀ. Meecemegboj, #es.Òe., o.ce.#es., Þeer jefJe JegÀceej, Òee.Òe.
(efJeHeCeve), Þeer GLegHe peesmesHeÀ, Òee.Òe. (efJeHeCeve), (DeebOe´ SJeb lesuebieevee) GHeeqmLele Les ~
Shri L. K. Shamsunder, ZM, SCZ giving key note address in the HODs & Shri L. K. Shamsunder, ZM, SCZ, Shri Ravi Kumar, RM (Mktg.)(KA),
BMOs meeting held at Dharwad on 23.09.2023. Shri Uthup Joseph, RM (Mktg.)(AP&TS) attending Meet & Greet MD
Convention for Development Officers of the Zone held at Hospet on
22.09.2023.

DekeÌìtyej 2023 ³eesie#esce 42

 SOUTHERN ZONE PeueefkeÀ³eeB
Events

Þeer Sce. peieVeeLe, Òe.efve., efoveebkeÀ ‰Š.‘.ŠˆŠ‹ JeÀes JeÀeseq®®e ceW Dee³eesefpele Oeve Jeãefä Òeefle³eesefielee JesÀ lenle HetJeea #es$e Deewj GÊejer #es$e JesÀ efJepeslee efJeJeÀeme
DeefOeJeÀeefj³eeW Deewj DeefYekeÀlee&DeeW JesÀ Mewef#eJeÀ mesefceveej JeÀes mebyeesefOele JeÀjles ngS ~

Shri M. Jagannath, MD addressing the participants during the Educational Seminar of Winner Development Officers
and Agents of Eastern Zone and Northern Zone under Dhan Vrishti Competition, held at Kochi on 12.9.2023.

Þeer Deej. ogjwmJeeceer, Òe.efve., efoveebkeÀ Š5.ˆ‘.ŠˆŠ‹ JeÀes Svee&JegÀuece ceW Dee³eesefpele Òee.Òe./SveDeejSceSme (yeer Sb[ Smeer) JesÀ efce[ ìce& meceer#ee meccesueve JesÀ
oewjeve yeerSmeer Òeerefce³ece ìe@Hej ceb[ue nesves JesÀ efueS megÞeer eEyeog je@yeì&, Je.ceb.Òe, Svee&JegÀuece JeÀes mecceeefvele efJeÀ³ee ~

Shri R. Doraiswamy, MD honoured Ms. Bindu Robert, SDM, Ernakulam for being the BAC Premium Topper
Division, during the Mid Term Review Conference of RMS/NRMS(B&AC) held at Ernakulam on 25.9.2023.

Þeer Deej. ogjwmJeeceer, Òe.efve., efoveebkeÀ Š5.0‘.ŠˆŠ‹ JeÀes JeÀeseq®®e ceW Dee³eesefpele ceerì Sb[ ûeerì Sce[er Þeer peer. JeWJeÀìjceCeve, #es.Òe., o.#es. ves Þeer peer. yeemJeÀjve, efJeJeÀeme DeefOeJeÀejer, JeÀuueJegÀefj®eer
DeefYe³eeve - JeÌJeeefueHeÀe³ej ceerì JesÀ oewjeve SeqJeÌmeme yeQJeÀ JesÀjue meJe&Àue ns[, Þeer Sme. eEyeoerMe JeÀes Mee.JeÀe (SmeHeer yesefmeme Hej) SJeb Þeer F&. JeWJeÀìsMeve, efJeJeÀeme DeefOeJeÀejer, jeveerHesì Mee.JeÀe. JeÀes
mecceeefvele JeÀjles ngS ~ (SveDeesHeer DeeOeej Hej) efoveebkeÀ ‰‘.ˆ‘.ŠˆŠ‹ JeÀes Heebef[®esjer, Jesuueesj ceb.JeÀe ceW Dee³eesefpele `ceerì
pes[Sce-efJepeslee ceerì' ceW mecceeefvele efJeÀ³ee ~
Shri R. Doraiswamy, MD honouring Shri S. Bindish, Axis Bank Kerala Shri G. Venkataramanan, ZM, SZ honoured Shri G. Baskaran, Dev.
Circle Head during the Meet and Greet MD Campaign - Qualifiers Meet Officer, Kallakurichi BO (on SP Basis) and Shri E. Venkatesan, Dev.
held at Kochi on 25.9.2023 Officer, Ranipet BO (on NOP Basis) at "Meet ZM -Winners Meet" held at
Pondicherry, Vellore DO on 19.09.2023.

43 Yogakshema October 2023

 Jeevan Videsh - Activities of Foreign units
LIC (International) BSC (c), Bahrain

Mr. Siddhartha Mohanty, Chairperson, LIC of India, Mr. M. Jagannath, Managing Director,
LIC of India, Mr. Thomas Mathew T., Independent Director , Mr. Chandrasekaran, Independent
Director, Mr. Debashis Prasad Pattanaik, CEO & ED and other officials of LIC (International) BSC (c),
Bahrain during the Board Meeting of LIC (International) BSC (c), held on 24.08.2023 in Bahrain.

LICI Fiji

Mr. Pradeep Shenoy, GM, LICI Fiji Operations and Managers Mr. Pradeep Shenoy, GM, LICI Fiji Operations, Managers
during the blood donation drive arranged on 4.9.2023 at the and staff of LICI Fiji Operations with the doctors and staff of
main office of LICI Fiji Operations at Suva. Valelevu Health Centre, Fiji on the occasion of donation of two
wheel chairs to them.

Mr. Pradeep Shenoy, GM, LICI Fiji Operations is seen with the team of staff and agents
at My Suva Park, Suva, Fiji where rubbish collection activity was undertaken.

DekeÌìtyej 2023 ³eesie#esce 44

 Leaving Footprints……

Anny Gomes

After 67 years of existence, our organization has grown and apt decision makers. These are the people who are
by leaps and bounds. From a mere 212 branches at viewed differently, they become a brand within Brand
inception to 2048 branches today. From 200 crore of LIC. One doesn’t need to be in a position of authority to
New business at inception to 2,31,899 crore and a make a difference. Every individual has the potential to
policy base of almost 29 lac cr. From the use of Unit add value which sets the tone for others to emulate. This
Record Machines and Microprocessors to Front End organization is teeming with people who have had such
Application Package and digital platforms for various success, due to their undying passion, innovation, and
online services. This Corporation has forged its way dedication. They can be Agents, Development officers,
up to glory which is evident by the recognition it has CLIAs, Staff or Branch and Division heads or those
received by way of numerous awards like BFSI National up in the hierarchy. These are people who continue to
Award for Leadership and Excellence in Persistency, inspire us and are the pride of this organization.
Claims Settlement, Customer Service and Best
On 31st August 2023, one such most revered and
Insurance company of the year. LIC also received the
dignified personality, Shri V.V Limaye retired and I was
IBC Infomedia India’s Most Trusted Brand Award, ET
amazed at the messages that WhatsApp groups were
Ascent Brand Excellence Award. Being the most trusted
flooded with. I am a part of many WhatsApp groups,
brand in India is no easy feat. LIC has dominated the
I found that in every group people had posted good
insurance industry and grown strongly in all segments,
wishes to Sir and expressed that they are grateful to
be it customer base, agency and marketing networks,
him for VVPedia. Despite knowing the fact that Sir
digital platforms, skilling employees, use of standard
Limaye is not a part of the group and might never see
operating practices with checks and balances, Customer
the messages, yet spontaneous and genuine wishes
Relationship management etc. All this culminates to
were posted, which were addressed to him. This is the
make LIC India’s most trusted brand.
kind of impact that the retirement of Sir Limaye had on
Brand differentiates us from others and makes us LICians across India. Having a keen mind for quoting
special. In our organization, we can see numerous Circulars and correctly interpreting them. Limaye Sir,
examples of people who have gone that extra mile, by had differentiated himself as a storehouse of knowledge
doing something different and out of the box, adding the and pioneered to single handedly contribute in creating
X-factor in work areas which has positively influenced a single window of knowledge using technology which
this organization. People who have the ability to change has made access to information for servicing most
a pathway into a highway. People who are visionaries convenient. VVPedia was the brain child of Sir Limaye

45 Yogakshema October 2023

and launched in 2008 and it was aptly named after assignment that was entrusted to them. Thus becoming
him by CRM department. The more recent version of beacons for others to walk the talk.
VVPedia 3.0 was launched in September 2022, with
A closer observation confirms that they are not just
more groupings for an easy browsing and search
brimming with ideas but are studded with qualities like
experience.
Integrity, Delegation, Communication, Self-Awareness,
The Preface in the VVpedia rightly quotes the following Gratitude, Learning Agility, Influence, Empathy, Courage
and Respect for others irrespective of hierarchies
WHAT IS MOST ASTONISHING IS THAT THE
without having studied at any management school.
ENTIRE COMPENDIUM HAS BEEN CREATED BY
ONE SINGLE INDIVIDUAL, SHRI V. V. LIMAYE, A.S. The essence of Life insurance is ‘Connect’ and when
[CRM], A DEDICATED KNOWLEDGE-MISSIONARY, our wavelength matches with intended persons results
OVER YEARS OF PAINSTAKING EFFORTS. WHAT are exponential when tangible and path breaking when
HE HAS CREATED IS A ONE-MAN WIKIPEDIA. intangible.

TO HONOUR HIM, THE LEAST WE COULD THINK We believe that leaving a mark is a true challenge
OF, WAS TO NAME THIS MAMMOTH EFFORT AFTER and opportunity for each one of us, a sign of trust and
HIS NAME. SO, WE SHALL CALL IT VVPEDIA impact, a bond with the future, a proof of growth and
development. Being part of the LIC family, is more than
VVPedia has given power in our hands, especially for
just working, it’s being convinced that we will leave
officials in Front end, where you need information at
our mark , Our Superannuation dates are fixed on the
your fingertips. It is a go to place for any information
day of joining and a sizeable percentage of employees
about servicing rules, procedures, plan features, bonus
have less than ten years of residual service to leave
rates, factors, calculators etc. Technology has helped in
imprints, so it’s a T-10 Game with time slipping like days
getting access to information in a systematic and user-
in sand clock. A legacy like Limaye Sir in any profile
friendly manner. Gone are the days of Manuals and
or assignment will shape LIC long after we are gone,
Streams and thick files of Circulars. For me VVpedia is
so approaching it with commitment, awareness and
a guide and helper. Gives me confidence in day to day
intent is key. The impact that people have made on LIC
working. All thanks and gratitude to Sir Limaye.
by working with intent and focus is inspiring to anyone
Sir Limaye is an inspiration to us. He retired from this thinking about the legacy that they would like to leave.
Corporation leaving behind a rich legacy called the
To sum up, I would say that it takes a lot of people to
‘VVPEDIA’ which I am sure will remain forever. We have
make a winning team and everybody’s contribution is
chosen to etch the name of Sir Limaye in our hearts
forever to be remembered. most important and leaving foot marks means living in
hearts long after departure because those who touch
In the course of my Journey in LIC, I have come across our lives, stay in our hearts forever.
many individuals who were institutions in themselves.
I have met agents who have reached the pinnacle of
success by the sheer knowledge of the value of human
emotions and hard work. I have seen development
Anny Gomes
officers who could shower livelihood to hundreds of AO, Branch 91F,
people and thereby insuring in chunks. I came across Mapusa, Goa
executives who made a difference in every profile/ E-mail: [email protected]

DekeÌìtyej 2023 ³eesie#esce 46

 Yeejleer³e peerkeve yeercee efveiece JesÀ yeoueles
heefjkesMe ceW jepeYee<ee efnvoer JeÀe cenÊke

mebieerlee mesþer

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efyeve efvepe Yee<ee-%eeve JesÀ efceìle vee efn³e JeÀes metue kewMkeerJeÀjCe Deewj JeÀch³etìjerJeÀjCe JeÀe oewj Dee³ee~ uesefJeÀve Yeejleer³e
peerkeve yeercee efveiece Deheveer Gmeer ¢æ{lee JesÀ meeLe DeeefLe&JeÀ HeÀueJeÀ hej
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[ìe jne ~
JeÀes meg¢æ{ JeÀjleer Òeleerle nesleer nQ ~
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‰‘56 ceW 5 JeÀjesæ[ JeÀer hetbpeer mes Dehevee k³ekemee³e DeejcYe JeÀjves keeues efveiece ³en leerve oMeceueke Metv³e ³egie kele&ceeve mece³e nw, efpemeceW
JesÀ heeme Deepe 34,36,686 JeÀjesæ[ JeÀer peerkeve efveefOe meefnle 38,04,610 DeeF&.heer.Dees. Dee ®egJeÀe nw Deewj met®eerJeÀjCe ngDee nw ~ efveiece JeÀer ef]peccesoejer
JeÀjesæ[ ©he³es JeÀe heefjmebheefÊe DeeOeej nw ~ ’yeÏeb[ HeÀeFveWme FbM³eesjWme Mes³ej OeejJeÀeW JesÀ Òeefle yeæ{ ieF& nw ~
‰ˆˆ“ Üeje peejer SJeÀ mekex#eCe efjheesì& JesÀ Devegmeej Yeejleer³e peerkeve yeercee
efveiece JeÀe ³eneB yeouee ngDee mke©he vee JesÀkeue Yeejleer³e DeLe&k³ekemLee ceW
efveiece ves efkeMke JesÀ leermejs cepeyetle Deewj omekeW meyemes cetu³ekeeve yeÏeb[ JesÀ
uegYeekevee Òeleerle nes jne nw yeefuJeÀ efkeMke HeÀueJeÀ hej efvekesMeJeÀeW JesÀ efmej
ªhe ceW mLeeve Òeehle efJeÀ³ee nw ~
hej peeot yeveJeÀj yeesue jne nw ~
Yeejleer³e peerkeve yeercee efveiece Deewj leerve ³egie:
efveiece ceW jepeYee<ee efnvoer JeÀe cenÊke :
Yeejleer³e peerkeve yeercee efveiece Deheves oes ³egie heej JeÀjJesÀ leermejs ³egie ceW
Yeejle osMe JeÀe yengle yeæ[e efnmmee vee JesÀkeue ieeBkeeW ceW yemelee nw yeefuJeÀ
ÒekesMe JeÀj ie³ee nw ~ Fve leerve ³egieeW mes jepeYee<ee efnboer JeÀe cenÊke efveiece
efnvoer Yee<ee yeesuelee heæ{lee Deewj mecePelee Yeer nw ~ Yeejleer³e peerkeve yeercee
ceW vee JeÀce ngDee nw Deewj vee ner Yeefke<³e ceW JeÀce nesiee ~
efveiece SJeÀ yeercee GÐeesie nw ~ nce meye peeveles nQ efJeÀ yeercee Deeûen JeÀer
Yeejleer³e peerkeve yeercee efveiece ‰.ˆ ³egie : efke<e³e kemleg nw Deewj Deeûen efJeÀmeer JesÀ mece#e yeesue JeÀj, mecePee JeÀj efJeÀ³ee
Fme SJeÀ oMeceueke Metv³e ³egie ceW meYeer yeercee JebÀheefve³eeW JeÀe efkeue³eerJeÀjCe peelee nw ~ ³en yeesueer peye Deheveer Yee<ee nesieer leye ner meeceves keeues JeÀe
ngDee Deewj Yeejleer³e peerkeve yeercee efveiece JeÀe pevce ngDee ~ efkeMkeeme peerlee pee meJeÀlee nw ~

47 Yogakshema October 2023

pevelee JeÀe ³en efkeMkeeme efveiece ves efnoer Yee<ee JesÀ ceeO³ece mes peerlee nw Deewj
Deepe efkeMkeeme Deewj Òeefleyeàlee JesÀ 66 ke<eeX ceW Yeejle ceW ner veneR mechetCe& Plant A Life (PAL)
efkeMke ceW Dehevee hej®ece HeÀnje jne nw ~ Today I don’t find the weathers as before,
No more fixed transition from summer to rainy &
efveiece ves ’eELeJeÀ iueesyeueer Sb[ SJeÌì ueesJeÀueer“ JeÀer veerefle hej JeÀece rainy to winter,
JeÀjles ngS efkeMke mlej hej Deheveer hen®eeve yeveeves JesÀ efueS Yeues ner Debûespeer The winters are terribly hot & summers rainy
What has brought about these changes, I
ceW Deheves omleekespe yeveeS nQ uesefJeÀve Yeejleer³e pevelee JesÀ yeer®e Dehevee wonder.
efkeMkeeme peerleves JesÀ efueS Deheves mecemle omleekespe jepeYee<ee efnvoer ceW
No more trees to recline and rest,
peejer efJeÀ³es nQ ~ No more fruits to pick and taste.
Nor do you find many birds who chirp,
Deepe efveiece JeÀe [eìe kes³ej neGme SefMe³ee JeÀe meyemes yeæ[e nw Deewj It is just the dreary desert everywhere.
JeÀch³etìj ¬eÀeefvle ceW Yeer meyemes DeûeCeer nw ~ JeÀch³etìj hej meyemes henues Till I find one tree some place somewhere.

Fbef[JeÀ Sced F& HeÀeWì JesÀ Òe³eesie mes uesJeÀj Deye ³etefveJeÀes[ Deesj cebieue I wonder why the tigers and leopards are
HeÀe@Cì JeÀe Òe³eesie Yeer Deheves yeercee k³ekemee³e ceW JeÀj jne nw ~ JeÀch³etìj roaming free,
Why the monkeys are destroying the mango
JesÀ Deefûece oewj ceW nceeje HeÀerhe cees[îetue Yeer efnvoer Yee<ee ceW o#e ªhe mes
tree,
JeÀece JeÀjves ueiee nw ~ The natives do complain about the weird
behaviour,
Deepe yeoueles heefjkesMe ceW peye Yeejleer³e peerkeve yeercee efveiece Deheves leermejs But does anybody know, man has snatched their
hee³eoeve ceW ÒekesMe JeÀj ®egJeÀe nw Ssmes ceW hee@efuemeerOeejJeÀeW mes ner veneR yeefuJeÀ share,
For there are no forests left which they can call
Mes³ejOeejJeÀeW mes Yeer mebkeeo JeÀer DeekeM³eJeÀlee nw Deewj mebkeeo JeÀe meMeÊeÀ their lair.
ceeO³ece efnvoer Yee<ee ner nes meJeÀleer nw ~
Then a realization dawns upon me,
³es jepeYee<ee ner nw efpemeJesÀ ceeO³ece mes Yeejleer³e peerkeve yeercee efveiece To do away with the global warming,
And bring back the oxygen streaming,
efkeJeÀeme JeÀer Deheveer ³ee$ee JeÀes meHeÀue yevee hee³ee nw ~ jepeYee<ee efnvoer JeÀe All you have to do is,
cenlke vee JeÀce ngDee nw Deewj vee ner JeÀce nesiee ~ Plant a Life my dear, Plant a Life!

jepeYee<ee nw cesjs meheveeW JeÀer Yee<ee

³es lees nw cesjs DeheveeW JeÀer Yee<ee
efveiece ves Dehevee³ee lees heeF& meeref{³eeB
³es efveiece JeÀer meHeÀuelee JeÀer Yee<ee

Prabhati Naik
mebieerlee mesþer ADM (91J Branch)
ÒeyebOekeÀ ÒeMeemeve, E-mail: [email protected]
MeeKee yeerkeÀevesj -1, yeerkeÀevesj ceb[ue
E-Mail: [email protected]

DekeÌìtyej 2023 ³eesie#esce 48

 Millet Magic, Win Win Win for ALL !!

Anand P. Katdare

Year 2023 is celebrated as International Millet Year millet. Of course it is good for health, no doubt. You will
in the world. More importantly, it is on the request of find these five positive millets are having far better value
Indian Govt the United Nations declared it. Truly millets in respect of Protein & its Carbo/Fibre ratio is far better
are magical solution to everything and everyone. From than others. This is the basic reason why they are best
health problems to upliftment of marginal farmers and for health than the rest. These combinations also cures
tribal population and thereby empowering our nation most of our diseases if we consume them in specific
as a whole on global stage, is possible if we focus on pattern for longer period of time. Obviously it has zero
millets. Here we will see bad side effects and plenty of good side effects. These
millets do require less water than other crops. Thus it’s
1. What are the Millets, it’s types, names and brief
environment friendly. They don’t require fertilizers or
information
pesticides for protection. Thus we get truly organic food.
2. Their benefits to us as consumers They are produced in less fertile land, on slopes of the
mountain. They are produced where there is a scarecity
Millets are typically grains which can be termed as
of water. Thus our marginal farmer or tribal population
“trindhanya” which is to be consumed in our daily diet.
can grow these crops and earn their livelihood with this
Before the arrival of Wheat, most of the Indians were
magical grains.
using them as food staple for day to day.
Foxtail millets have a sweet, bitter taste. This is a
Here is a chart of those nine millets which is self
balanced food having 8% of fiber& 12% of protein.
explanatory. Please go through each value millet and
It’s a good food for diabetic patients. It reduces the
compare it with wheat and rice. You will realize why we
cholesterol content. It’s rich in antioxidants. Apart from
should replace Wheat and Rice with the five positive
that it has a lot of calcium, iron, manganese, magnesium,
millets.
phosphorus and vitamins & therefore they are good
There are total 9 types of millets are found in the world. for children and pregnant women. This is right grain
Out of which three are neutral millets which are 1) Bajara to get rid of the constipation that appears in women
2) Jowar & 3) Ragi. They are better than wheat & rice during pregnancy. When children suffer from high fever,
but there are another set of 5 millets which are called sometimes they have seizures, which are sometimes
as positive millets. They are 1) Foxtail 2)Kodo 3) Little permanent. But foxtail millet has the capacity to drive
4) Barnyard 5) Browntop. Rajgira is having nutritional away these seizures, weakness of the nerves. It acts
value but it is not a typical millet so it is termed as psudo like medicine for those who suffer from stomachache

49 Yogakshema October 2023

and burning sensation while good for weight reduction. It’s
urinating, diarrhea and lack of useful in getting relief from
hunger. As it is rich in proteins the pains caused by long
and iron it is a good medicine for term diseases and to reduce
anemia. As there is a lot of fiber, swelling. Kodo millet is good
it gets rid of constipation. It’s food for the swelling of joints
good for girls who suffer from and for women, who suffer
heart ailments, anemia, obesity, from irregular periods, diabetic
arthritis, bleeding and burns. patients and those who have
Lung tissues get especially weak eye nerves. The flour of
cleaned up hence Foxtail millet Kodo millet is used to smear
is base food for cancer of lungs. on swellings. It is also helpful
It’s very useful in for getting rid
for those diabetic patients who
of convulsions. It’s also effective
develop gangrene after getting
in getting rid of some kinds of
injured on legs. They are also
skin diseases, mouth cancer,
helpful for the recovery of
abdominal cancer, Parkinson’s
patients who have suffered from
disease and asthma (along with Kodo millet).
dengue, typhoid or viral fevers and became weak.
Kodo millet is sweet, bitter and acrid in taste. It helps
Little Millet is sweet in taste. It helps in overcoming the
in purifying blood, improving resistance power and
problems of ovaries, sperm, PCOD and infertility. They
overcoming anemia and diabetes, constipation and
help in curing the diseases of the reproductive systems
good for sound sleep. Also, efficient functioning of bone
marrow and to get rid of asthma and kidney problems
and problems related to prostate, blood cancer and
cancers of intestine, thyroid, throat, pancreas or liver.
They have high nutritious value and therefore good
food for children. There are plenty of vitamins and
minerals in it. This is good for digestion. It has high
antioxidant activity. It keeps sugar and cholesterol
levels in blood in check. They provide good energy to
those who participate in sprint. As there is high fiber it’s
in both males and females. This acts as medicine, if one
gets burning sensation in the chest after taking food or
gets sour belching or feels tightening of the stomach due
to gastric problem etc. This is good for those suffering
from sexually transmitted diseases, diarrhea and
indigestion and to improve the sperm count in men and
to solve the problems of periods in women. Because
of the high fiber content, it is also good for those who
suffer from constipation. This provides relief to those
who suffer from migraine. This is a nutritious food for
those who suffer from heart problems obesity and joint

DekeÌìtyej 2023 ³eesie#esce 50

pains. They also aid in cleaning up lymph nodal system
and in the control of the cancer of brain, throat, blood,
thyroid and pancreas.
SueDeeF&meer SJeÀ yeÏeb[.....
Barnyard millets are sweet in taste. This is good
Deepe Yeer SueDeeF&meerr JeÀe veece nw !
for thyroid and pancreas. They help in getting rid of JeÀue Yeer SueDeeF&meerr JeÀe yeepeej ceW veece jnsiee !
diabetes and constipation as there is lot of fiber in this
millet and in cleaning up liver, kidney, gallbladder and
eEpeoieer JesÀ meeLe, eEpeoieer JesÀ yeeo
good for endocrinal glands. They also help in reducing meskee osves keeuee GmeJeÀe JeÀece
jaundice and help in strengthening liver. It’s also helpful
ncesMee ®eeuet jnsiee ~
in reducing the cancer of ovaries, uterus. The food
prepared with this millet gives strength and is easily meeueesb.... meeueesb JeÀe efjMlee ken efveYeeleer nw !
digestible. Therefore, in North India this is used during
Deepe Yeer SueDeeF&meerr JeÀe veece nw !
religious fasting. In Uttarakhand and Nepal pregnant
women and neonatal women are given food made of JeÀue Yeer SueDeeF&meerr JeÀe ceekexÀì ceW JeÀece ®euelee jnsiee !
barnyard millet as this is rich in iron. They believe that
ken ye®ele JeÀjves JeÀes efmeKeeleer nw !
anemia is reduced in neonatal women and they will
have plenty of breast milk. This food maintains body JeÀue JeÀe mkehve efveYeeleer nw !
temperature. It improves the resistance capacity of the Deepe JeÀe Yeer JeÀe³e& meHeÀue JeÀjleer nw!
body. This is very good food for those who work for
long hours in stationary position without much physical
efJeÀleveer Yeer Òeefle³eesefielee yeepeej ceW jnves oes
labour. The food made of this millet protects us from ken Dehevee JeÀe³e& JeÀece mes efoKeeleer nw!
ulcer formation in small intestine and the cancer of
large intestine liver and spleen
ken Dehevee efo³ee ngDee ke®eve ncesMee efveYeeleer nw!
Deepe Yeer SueDeeF&meerr JeÀe veece nw!
Browntop millet is one of the traditional crops. These
are useful for the solving problems of ovaries, stomach, JeÀue Yeer yeepeej ceW GmeJeÀe ner veece jnsiee !
arthritis, B.P, thyroid, eye problems and obesity.
efJeÀleves yesjespeieejesb JeÀes jespeieej osleer nw!
Likewise, they are also useful to treat Fissures, ulcers,
piles, fistula and the cancer of brain, blood, breast, SJeÀ-SJeÀ JeÀes pegæ[eJeÀj heefjkeej yeveeleer nQ !
bones, stomach, intestine and skin.
Dehevee efjMlee uebyes mece³e leJeÀ jKeleer nw!
For more information about how to cure diseases, how osMe JesÀ TVeleer JesÀ efueS Deeies JeÀoce jKeleer nw !
to consume the millets, dos and don’ts in respect of
millets, ideal life style, healthy living, millets protocol, Deepe Yeer efveiece HeÀe@ce& ceW nw,
millet recipes, use of fertilizers, polished and unpolished JeÀue Yeer SueDeeF&meerr veece ceW jnsieer !
millets etc.

DeMeesJeÀ ³eMekebles
G®®e ÞesCeer mene³eJeÀ
Anand P. Katdare MeeKee-‘ˆ, cegb.ceb.keÀe.-Œ.
HGA, E-mail: [email protected]
Panvel BO, 91P
E-mail : [email protected]

51 Yogakshema October 2023

 Time Out

B. Figure it Out C. Number Wheel

A. Work it Out Ms. Joseph has kept some
goodies in three boxes and What number should
HATE labelled them as 'Cookies', replace the question
Can you change 'Chocolates' and 'Chocolates & mark?
the word HATE Cookies'. She has, however,
to LOVE each — — — —
labelled
time changing them all
only one letter? — — — — incorrectly.
How can
she label
them
— — — —

correctly by
LOVE opening
only one of
the boxes?

D. What Comes Next? D. d.

Which figure from the four options given below comes next in the opposite quadrant: 20 + 8 /2
in this sequence?
C. 14. It is the average of the numbers
'Chocolates & Cookies'.
'Cookies' and the 'Cookies' box to
change the 'Chocolate' box to
should label it 'Chocolates', then
cookies. If it contains chocolates, she
contain either only chocolates or only
a b c
'Chocolates & Cookies'. This box must
d B. Ms Joseph opens the box labelled

A. HATE, HAVE, HIVE, LIVE, LOVE

Answer:

Quiz Zone
Crack this quiz on Jammu and Kashmir

1. Jammu and Kashmir is home to India’s largest freshwater lake. Name it.

3 / © Amrita Bharati, Bharatiya Vidya Bhavan, 2023

2. Name the shawls for which Kashmir is famous.
3. Which musical instrument native to Kashmir was popularised by Pandit
Shivkumar Sharma?
4. Name the most popular folk dance performed by women in the state.
5. What are these — Wazwan, Rogan josh and Tabak Maaz?
6. In which year was the state of Jammu and Kashmir reconstituted into two
union territories, namely, Jammu and Kashmir and Ladakh?

Answers:
1. Lake Wular 2. Pashmina shawls 3. Santoor 4. Rouf 5. Popular dishes 6. 2019

DekeÌìtyej 2023 ³eesie#esce 52

 Food Notes
Is it safe to eat irradiated food?
ABSOLUTELY. The process of food irradiation Irradiated food thus has a longer shelf life. As
involves exposing the food to the energy from short- irradiation is a cold process, it causes no change in
wave radiations like gamma rays, x-rays or electrons. the freshness or texture of the food unlike certain
But research over the last 40 years has proved that other procedures that involve heat. In fact, it is
irradiated food does not retain any radioactive property difficult to tell an irradiated apple from a normal one
and hence is completely safe. Moreover, irradiation as it remains as juicy and crisp.
does not diminish the nutritive value of the food. Presently over 40 food items such as fruits,
This technology is used vegetables, spices, seafood, grains, meat and poultry
to destroy the bacterial, are available in irradiated form. Many specially-
fungal or viral growth in marked irradiated fruits and vegetables are
food that can spoil it commercially sold in the US, France, China, South
or cause diseases. Africa and the Netherlands.
Although the process of irradiation greatly reduces
the growth of bacteria, it does not completely
eliminate it. Hence irradiated poultry
needs refrigeration. As for irradiated
fruits, refrigeration is not essential
though they will last much longer in
a refrigerator.
In India too, many irradiated food
items like onions, potatoes, garlic,
spices, etc. are now available.

How is brown sugar different from white sugar?

Brown sugar is produced when sugarcane juice is first than refined white sugar. Though most people have
extracted and processed. When sugarcane juice the impression that it is healthier, the mineral content
crystallizes, it is called molasses or raw sugar. It is is actually not enough to make it nutritionally better.
dark brown in colour. Once it is further refined, it Brown sugar forms lumps or hardens once the
becomes white. The colour of the molasses varies with package is opened because it loses moisture. It stays
the species of sugarcane it is extracted from. longer if stored in an airtight container. Normally,
Natural brown sugar or raw sugar is unrefined and placing the container along with a piece of apple for
there is minimum processing. It has a rich flavour and 2-3 days, restores the consistency. Brown sugar is
is softer, finer and moist. However, commercial brown also available in liquid form and as large granules. 2 / © Amrita Bharati, Bharatiya Vidya Bhavan, 2023
sugar is not pure. It is refined white sugar to
which molasses has been added in differing
proportions. The amount of molasses makes
the sugar either light or dark brown. When
the molasses content is 3.5 per cent, the
sugar is light brown in colour and not very
different from white sugar in taste. If it is
6.5 per cent, or 10.5 per cent, it is darker
vs
brown and has a stronger taste.
Natural brown sugar (not the commercial
one) has slightly fewer calories and more
minerals like potassium, sodium and calcium

53 Yogakshema October 2023

 Tech Talk
The Smartness of Things!
THE Internet of Things, or IoT as them, by messaging over the connection. The IoT requires
it is popularly known, is becoming Internet. This means that these sensors and software to collect
a very important part of not only devices can tell other devices, as data and communicate.
the technology industry, but also well as people, if something is wrong A personal computer or a
our daily lives. And you may be with them or they are functioning laptop is not usually considered
using IoT without even knowing it! well. an IoT device. Neither is a
A fitness band, smartwatch or any For example, in IoT a car smartphone, despite it having
wearable device might be will become smart and can sensors. Large machines, like
considered an IoT device. communicate and tell you that it an aeroplane engine, may be
needs petrol. A toothbrush may tell filled with numerous smaller IoT
What is IoT? you to brush your teeth longer to components and devices, with
IoT is nothing but the billions of keep them healthy. thousands of them relaying data
physical devices that are all This has become possible as back and forth and sensors
connected to the Internet. These Wi-Fi networks are very common gathering information to make
devices can then be controlled and devices can now have sure the machine is running
and can communicate information software to allow internet access efficiently. IoT is here to stay to
without any help from humans. and make use of the Wi-Fi make your life even easier!
The IoT connects ‘dumb’
devices like refrigerators, washing
machines or a kettle to the Internet
using software and turns them
into ‘smart’ IoT devices. These
IoT devices can now collect and
exchange data around the world
and have some digital intelligence!
With IoT, devices or machines
can ‘talk’ with each other, or to
the people who are controlling

What is Cloud Computing?

TODAY, each employee of a computer for each employee, it also using cloud computing. For
company or an individual has a has to purchase the licence to example, we can store emails,
computer (the hardware) on which operate the software for each one. photos and documents in Gmail,
he runs different kinds of That costs a lot of money. Picasa and Google Docs, that would
applications (software). Not only Instead, imagine another otherwise occupy valuable disk
does the company have to buy a company that provides the same space on our computers, on the
employees all the application Google server for free!

1 / © Amrita Bharati, Bharatiya Vidya Bhavan, 2023

software they need, but from Cloud computing eliminates the
a remote location. By installing need to buy sophisticated hardware
just one application (user and software. Data can be accessed
interface), the employee can anywhere at any time and not only
have unlimited access to any on a personal device or on an
software he needs at any time internal network or from a hard drive.
and place, from a 'cloud' Physical space for large servers is
floating in cyberspace. The no longer required. Maintenance and
company pays only the tech support costs come down.
How cloud service provider maintaining Is cloud computing secure? It is
computing the 'cloud' of dedicated as secure as any other Web-based
works computer servers. service, for example, Internet
In fact, we are already banking or online shopping.

DekeÌìtyej 2023 ³eesie#esce 54

55 Yogakshema October 2023
 Registered with RNI, under Reg. No. MAHBIL/2016/69756 Postal Reg. No.-MCS/056/2021-23
at Mumbai Patrika Channel Sorting Office, Mumbai-400 001. Published on the 12th and
posted on 13th, 14th and 15th of every month.

Printed, Published by Ms. Poornima Gaitonde and Edited by Shri Aditya Gupta, ED(CC) on behalf of
Life Insurance Corporation of India and printed at M/s. PRINTRADE ISSUES (INDIA) PVT. LTD.
Regd. Office : Unit No.17, Pragati Industrial Estate, 316, N.M. Joshi Marg, Mumbai - 400 011.
Factory : EL-179, TTC Ind. Area, Electronic Zone, Near Mahape Telephone Exchange Zone,
Mahape, Navi Mumbai - 400 710.
Published at Central Office, 'Yogakshema', Jeevan Bima Marg, Post Box No. 19953, Mumbai – 400 021.
Editor : Shri Aditya Gupta, Executive Director (CC), LIC of India.